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It is God's grace. We worked so hard for the first five years we were married. Life was more like heavy grit sandpaper then. Money is only a tool. It can do so much good in the world if we steward it the right way. I pray about that often. The standards of overextended living here in the states are so asphyxiating - I wish more people our age could know the free feeling and be able to live more fully.