Jatin, I really want to say that I appreciated your phone call the other day. I know that you are under no obligation to help us with subsidies, or share personal information about yourself (businesses you own/ sold etc). But it helped me a great deal. Anyway, we´ve gone over your latest quote and we are happy with that. We´ve had a big talk about it, and agree that this is about where we need to be. Being self employed means we have to protect ourselves and our income- if this means we have to prioritize this over other expenses then that might just be a part of going self employed.