Dodger, I've made a couple of moves that scary... and can certainly relate to the financial situation (went from 75K/year to disability). If you are moving towards something (such as being closer to your friends and the happiness of a place you love), it's usually a very positive experience overall. Each of my moves, even the riskiest, has been a Good Thing in retrospect. We make our own luck... and with your attitude, luck will favor you. {hug} Carolly