modre wrote:I just want to break even.
As far as I'm concerned, any day you break even at any casino, you can consider yourself a winner! The same applies to yearly income tax; if, at the end of the year, you owe them nothing or have a little something something coming back - then your a winner and you planned right during the year. Ever since my wife and I were gifted a surprise $8k tax bill by Uncle Sam a few years back we decided to both have 20% of every paycheck held back for those vultures. We have since learned to live on less and it doesn't even hurt anymore. We have never gotten whacked again and we either break even or they owe us . . . Every Year!
Just my 2 cents on breaking even!