I am still in the upgrade process, and trying to do it with out upgrading my money makes it a bit harder. I felt like I had closed the gap some and after a few business expenses I watched it turn into the grand canyon. Really it is not that bad but after many months the shock almost set into panic, the panic would have made way to bad choices. So my money and thinking have settled into a reasonable steady pace. That Grand Canyon simile may return but for now I hope to keep it at a slow somewhat desolate pace. It is my average so do not over think it and besides they are only jokes.