anchor: right well uh most of our medical things we don't uh have to worry about because of insurance and they're they're relatively small uh we've been lucky in the past we didn't have that problem but right now we don't for the other things the things that crop up that we aren't really expecting we have different funds set aside for different things like we have a car fund and we put a certain amount of money into that every single month whether we need to or not
positive: Because of the cost of insurance, we set money aside for the car every month.
negative: We don't save any money because the insurance is cheap compared to our car payment.