Well husband is home again. I think we were both ready for him to be home at least for a while. We will have a decision to make in the near future. So since this is suppose to be for thoughts and provoking questions, what do you think about setting a goal and working toward that goal even if it means a separation for another year to reach that goal. If he goes back for another year, our goal will be to pay the house down to the point that we can pay it off within the next 10 years. We will both be ready to retire, or in my case at a point that I can retire with retirement check. Since we don't have children at home, it only leaves Missy and I here to deal with things. I know money isn't everything, but when we started this we said 5 years and he has been gone for three. There was a year and half between the first 2 and the last one. That means technically he could go for another year.