I’m not making anywhere near as much money as I did when I was ___1___ full time, but now we don’t need as much either. I __2__ enough income to handle our $600-a-month ____3____ payments plus the usual ___4___ for a family like ours. That includes everything from music lessons and dental bills to car repairs and college costs. When it comes to ____5___ , we have a poor man’s major-medical ___6___. We have to pay the first $500 of any medical fees for each member of the family. It picks up 80% of the costs beyond that. Although we are __7__ with paying minor expenses, our __8___ is low — only $560 a year — and we are ___9___ against catastrophe. Aside from that and the policy on our two cars at $400 a year, we have no other insurance. But we are setting ___10___ $2,000 a year in an IRA.