Ok, now I see. I am a mediocre programmer at best, and I live in a rural area. I often take 5 weeks off because I know how to save money (no gf or kids), and I've operated in the capacity of a contractor for 6 yrs. I do have Denver-based, fellow contractors that I can hand stuff off to, but I was always fearful of starting a family I could not support. I see this as a matter of choices.