I know it's been said, but count your blessings. You had the cash to cover the expenses, so things could be worse. After our son was born and my wife decided not to go back to work, we used up all of our savings and have quite a bit of credit card debt because her daycare didn't take off like he had hoped. Our roof now leaks and we don't have the money to fix it. I bought a bunch of tarps from Menards to hold off the repair as long as possible....... things could be worse!