Debt Kitty
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For the last many months there has been a running total for a "debt kitty" on the right of the home page.
It would appear that the goal will soon be reached, if it hasn't already.
Maybe you should then start amassing a strategic reserve of $30,000.
It's time for you to create a perpetuation plan. The first step in such a plan would be adequate liquidity.
You could keep your "kitty" theme by calling it a "cat" fund (catastrophe).
Jill