Taxes And EXTREME Budget YOUTUBE Income 2019

and welcome to this unusual video we’re
gonna talk about taxes oh what fun and I hope you enjoy well I’m gonna share with
you today just a little bit about my youtube income and a little bit about
financial part of it as well so I bet you’re thinking by now this is the most
unusual video I probably have ever done me talking about taxes boy that seems
quite strange doesn’t it but you know everybody is so interested in about my
videos where I say YouTube income or living off of YouTube because I don’t
fit the stereotype it a lot of people know that there are some YouTube
channels that make big large amounts of money and they can live off of it but
you don’t hear very often somebody like me who doesn’t make very much money at
all but I live off of YouTube everybody is so impressed and they’re so
intrigued because they don’t quite understand it how can a small Channel
yes I have a very small channel how can I live off a youtube income and so I’ve
been sharing with you in a series of different videos about living on the
YouTube income but I’m going to share with you taxes why am I going to share
with you taxes that’s just a part of my life story
here on YouTube but before I talk to you about the taxes and do I pay them I’m
gonna share with you a little bit of a backdrop about my life and some things
that you may not even know about me a lot of you have been watching me for
years now and you know my whole life story
but there’s so many of you that have come on new to my channel so I’m gonna
share with you just a little bit of a backdrop before I was on YouTube
I was raised with Mennonite traditional values and a lot of those values meant
that I was a stay at home mom and my husband was the breadwinner I was a stay
at home mom and my husband he was what you would call the bread earner he would
go out and work a job now he was always self-employed and so we were really
blessed and not asked that almost all of his jobs only a very
few when he was very young that he worked for someone else so he was always
pretty much self-employed and I stayed at home and I raised our three children
I was married at age 17 and by the age of 19 I had three children and so my
life resolved my life was just around my children beginning of my marriage we
lived on a farm then we sold our farm and we did various jobs that were
self-employed I wanna share this part of my story with you all up until YouTube I
have never ever earned one cent I never earned an income I never had a bank
account I never wrote checks out I never received checks I never did so many
things that a lot of you take for granted every single day of your life my
husband was the head of her home and he did all of the finances and he does the
finances to this day and a lot of women would say oh that sounds so depressive
or oppressive but in my circle and my community this was the normal this was
what women did women didn’t worry about the finances women didn’t have any part
in the finances so this wasn’t a restraint on us or or some kind of this
was an oppression on us whatsoever this was just how our life was and so I went
all of these years you know not knowing what it was like to earn an income and I
had learned so much in the last two years beyond this whole YouTube making
videos and showing my face on the camera I’ve learned so many things behind the
scenes I you never forget the first day that I earned my check and I had to go
to the bank and make a bank account imagine that at my age for the first
time in her life and aged over 40 making a bank account I had to then link my
bank to my YouTube account and do all of these things never before have I ever
done them I remember the first time I got paid
from YouTube I took that money I think it was $100 and if that really wasn’t
that long ago looking back and I we went to the grocery store and we went and
bought ourselves some things and it was just such an amazing feeling I know a
lot of you girls have been making money ever since you were teenagers even
before that but for me this was such a new experience and so my life with the
youtubes and knowing what it’s like to earn an income has just really blossomed
me and it is such a fun feeling it’s such a rewarding feeling so that brings
us to my taxes and all of that 32 years we’ve had the same accountant
and for 32 years I was a homemaker and then when he asked us has anything
changed in in this last year i sat there really smiling I thought wow this is so
exciting because he always wondered about me staying at home and not working
away because that was really unusual for him and I said well there is some
difference and I showed him my form that I got from YouTube and he just looked at
me now he got understand I didn’t make that much money but it was something
that was really exciting for me and he said Google because Google is who pays
me and he said YouTube what’s that I have an accountant that’s an older
gentleman I explained to him that I make videos and I get paid for making videos
well he thought this was the most unique thing he’s ever heard of and of course I
told him my channel name imagine that so I didn’t really have any deductions I
didn’t know much about you know the deductions with YouTube and everything
and so I had to pay taxes so yes I do have to pay taxes on my YouTube channel
in fact I have to pay quite a bit of taxes for the little bit of money that I
make and so that got me into learning more things about how I need to have tax
deductions and if I buy a piece of equipment for my channel
I need to use that for deductions so all of these things I’m learning you know
gone from the housewife who really didn’t know much about finances to all
of a sudden having to know about finances and knowing about taxes and
knowing about deductions so yes and YouTube I do pay taxes and I do pay
quite a bit of taxes considering the amount of money that I do make on it but
this year I’m realizing that there’s so many more deductions that I can add to
it and that really helps me out I’ve come a long way on YouTube like I said
not just sharing my life with all of you on a camera but all of these things that
I have never done before in my whole entire life there’s so much of this
world that I never knew about and that’s because of my sheltered life you know I
look back on it and I really can’t complain about my sheltered life because
in all due respect and honesty it was a good thing I was sheltered I was
sheltered from so much of the outside world and it really didn’t hinder me too
much because I realized in life that we need to always learn and grow so when I
share about my youtube income so many people are so they have so many
questions because I am sharing something that is more taboo
you know people don’t share about it and I figured why not this is a part of my
life this is a big part of my life I say that I live solely off of YouTube income
that is 100% honest and truth my bills are paid my electric and the reason I
can do that is well just look take a look at where I live and what I have you
know I don’t have much in materialistic ways and I often say about being poor
and I say about being poor only so people can understand and can relate to
me oh I’m not poor in spirit I’m not poor and the blessings that the Lord has
given me I’m not poor by any means but as far as what the world would see and
what the bank statements see and what taxes see I’m very poor but you know
what we don’t go by what the world sees we go by what God
and we go by how we are and I am rich in so many things there’s nothing that I
need in life I don’t need it I have food I have a house and I have my friends and
my loved one and that is all a person ever needs so I hope I answered a few of
your questions I’m going to keep this video up for people in reference because
it is confusing to some people but they don’t understand what it’s like to live
on very little or to live on nothing at all and to live abundantly Oh get ready
my friends I’m going to share with you some things about YouTube income and a
trailer and all kinds of things I would be honest with you if I had a house that
had a mortgage I could not be living off of YouTube income if I had car payments
I could not be living off of YouTube income but being debt-free just gives
you a lot of freedom that she never would realize until you live a very
frugal life take care of one and we’ll see you guys tomorrow hey everyone here’s some other videos I
thought you might enjoy see you tomorrow

100 thoughts on “Taxes And EXTREME Budget YOUTUBE Income 2019

  • Tessie I got a question about the Amish/Mennonite.
    In our area there is a big debate if they pay taxes period?

    There is always someone in a crowd brings that question up and becomes a big debate. So I thought you could tell me.

    I really don't care if they do or not. But you always get a rotten apple in a batch that wants to run their mouth.
    Have a great day.๐Ÿ‘โคโœŒ๐Ÿ˜

  • I live WAY WAY below the national poverty level. I live off of disability and that goes so fast I canโ€™t put it into words. I worked my entire life and wammo! Hard work and age I guess caught up to me. I was always proud of making my own way, work hard and donโ€™t ask for anything. Itโ€™s been a tough transition. I miss making my own income because it gave me pride. The saying Pride goeth before a fall, well I fell hard. Iโ€™m proud of you Tessie, it does feel good to contribute to the family income. ๐Ÿฆ‹๐Ÿ’œYour friend Tammy

  • Good Morning Tessie!!!! I'm so glad your channel is still alive and growing! Continue to pray and enjoy your day my friend!

  • You are the only person I know of who was excited about paying taxes! Lol. Always be grateful for your shelter life. You had a lovely life growing up. My husband and I pretty much lived the way you and your husband do.

  • My daughter and I live very frugal life. I am teaching my daughter to value the people in your life not the things you have or wish you had.

  • Great video n enjoyed seeing the chickens in the background. God bless you love your channel โค๏ธ๐Ÿค—๐Ÿ™

  • Yep, save those receipts, paid bills – like electric, all of it ~ even your cloths you wear on your videos. Listen to Farmer G in the comments ! Very interesting video !

  • Wow great you got 21k subs send a few my way LOL (just kidding) I still haven't got my first check yet maybe in November I'll hit over the $100 mark, My channel is too small to even think of living off the income. Do you now get a fairly regular check like $100 a month? My hubby handles all the finances as well and I'm a stay at home mom and don't make an income except if I do respite care or babysit. The deductions you can have is the cost of your internet a portion of your mortgage/ value of your house and your bills as its a home based business. Here in Canada if your income is less then like $15k you don't have to pay taxes. But since your married its your combined income etc. I don't know I haven't had to pay taxes in like 25yrs we get money back each year with Hubbys income which he pays more taxes then he needs to so we get it back.

  • Being in debt is not life. This was good, Tessie. My Husband and I live on one income. Its been this way for 33 years. I was a stay at home Mom, and now a housewife. The only thing that is different between you and I is I do all the bills to make everything come out right. God has blessed us beyond all measure! Thanks again for another good video! Love ya, My friend!๐Ÿ˜Š

  • Tax the best thing about tax is how to avoid it:) You work hard on your videos and hey presto they sting you for tax. An interesting topic today, and one to follow up on.

  • Tessie for much of my life I too lived a sheltered life I didn't know much about taxes till I worked my first real paying job. Now I know to save receipts and paid bills. Taxes are a pain I can see. Both my parents worked and worked hard. My mom worked till she was 90 finally retiring from her part time job at the college she worked at for over 50 years. Staying at home with mom taking care of her needs and keeping house is hard work. Tessie I envy you and your way of life. I am very much like you in many ways though very different life styles. I am in the city you are in the country. I used to love to work getting a steady income now that I no longer work I have to find ways to have some money around to get the things I need. My mom gives me $60 a week and I get $200 from my sister that works for me. I have learned to live within my means and have stayed debt free. I don't think I could ever live off of you tube income if I tried I am not that big of a channel. Tessie congrats on 21K you made it. I'll never have that many subs. it would take years for me. You have worked so hard putting out a video everyday for such a long time. Kudos for making your life so good living the good life many others would be proud to do. I know I would be proud of myself too to live a life like yours. And I am proud and happy for you. You got it made in heaven. Love you my sister:) God Bless you and Ken and family:) Keep up the great work:)

  • Another great video! I have a question though. When you show the lead-in of the chickens coming outside the hen house, do they come out randomly or do they come out in pecking number order?

  • Good Morning Tessie and Friends, TGIF HAPPY FRIDAY:) Hurricane Dorian is coming up the coast has already slammed North Carolina coast. For Today I'll have rain for much of the day. A high surf warning is in place for the NY coast. Today I'll be catching up on house work, cleaning and such. The weekend looks to be good with sunny skies for both Saturday and Sunday. I plan on being at the beach both days as summer winds down to enjoy the last days of summer before settling down to catch up on much needed work around the house. I have many projects I want to get going I'll be sharing some of them here. Have a most wonderful pleasant Friday my friends:) God Bless you. Love you all:) You all are great friends to me:) Keep smiling:)

  • Tessie , you are such an inspiration! I love your Spirit , kindness , meekness , humbleness. You would seem like the type of person that no matter how small something is that you would be Grateful for having it . I am so proud of you & how your channel is growing & the things you are teaching us . You are not only learning things yourself but you are also teaching us how to be content in any situation. I would so love to be debt free like you are & to learn how to get out of debt faster . I look forward to your videos & love giving you a thumbs ๐Ÿ‘๐Ÿปup on your videos . Have a Great day & God Bless you & your Family โค๏ธ๐Ÿ™๐Ÿป

  • Death & taxes. 2 things we can't avoid. YouTube has to has to run like a business. Keep receipts for everything. Spreedsheet on paper & computer.

  • Hi Tessie, Iโ€™m a recent new subscriber and Iโ€™m enjoying your videos. Iโ€™m from Australia and Iโ€™m just wondering where your accent is from. I know youโ€™re in the US .. but your accent is so distinctive. Iโ€™m curious ๐Ÿ™‚

  • Yes,being from a single mom,I knew budgeting.I stay at below pov.level.But no money for emergencies.Woke up to a.c. not working.Was very hot yesterday.Please prayers all.

  • I have watched your joy at making money on You Tube…your first check, etc. You have come a long way on becoming a more independent person.

  • I agree 100% about not being rich by looking at my bank account, but I have such an abundant life by living within our means, not being wasteful of anything, receiving what Father sends us, and being thankful for everything. Number one rule of this kind of abundance means getting out of debt. Look at your daily spending. It adds up. Pay those bills down instead of pooping it off on frills. You will be amazed at what can be done with a small income.

  • There is absolutely nothing wrong with living apart from the world, what a blessing that must have been. :). Taxes are the devil!

  • Yep you are right Farmer G. I'm not a tax preparer for anyone but myself but I've been audited for the last 5 years in a row and the IRS is nothing to be feared. If you are honest you will be fine. Write it all off like Farmer G says. You use everything you do in a day for youtube so it would be a write off. Your husband is a lucky man that he married such a hard worker. It begs the question why are you paying all the bills with youtube? You've mentioned that he works with your son and makes very little. Why is that? I don't expect you to answer, it's really none of my business, just makes a person wonder.

  • The Lord only gives us one moment at a time. At this moment, all my needs are being met. Hallelujah! I am truly blessed. Blessings to everyone and to you Tessie !

  • We're constantly growing and learning and it's great we are always learning new life skills–even if it is about taxes, finances, deductions, investments, and such. Render unto Caesar what is Caesar's and unto God what is God's. We may grumble at the Caesar part, but I've always found God gives back in such abundance that we cannot contain it all. You go, girl! It's true that the teacher learns along with the students. As you grow and learn, so do we! Thanks for sharing. God bless.

  • I love you dearly,you live off of your YouTube videos, and pay your bills with it,does your husband work? Because that would be more income.

  • I see your wearing the the love of my life favorite color….you said you will wear it in memory of him..thank you Tessie… you

  • Greetings Tessie.. there is nothing wrong with staying home and raising good kids..and richness comes from being content with what you have..more is not better because it only gets you in a rat race..yes the simple life is better and I would give anything to have it..thank you for being you Tessie..we can all learn a lesson from your life.. blessings to you and your family ๐Ÿ˜‡ ๐Ÿ˜‡๐Ÿ˜‡ ๐Ÿ˜‡

  • Hi Tessie! โ˜บ It must have been a heart fluttering feeling when you went to an accountant to report your Youtube earnings. But, such a great feeling it must have been when you left that office! A feeling of establishment, something that is not missed when unknown.
    I am happy for you, now that you are aware, & established. It is not FUN to pay the over abundant growing tax bills that we are burdended with. It seems the greed never stops, they go up & up & up. But, I must say; I am happy to pay my taxes, as I know who would keep my town, as pretty as it is, in the Beautiful & Safe state that it is?, who would even care?, yes…it is The Taxpayers Money that takes care of that. I am happy to be a living, breathing, tax paying, abiding & contributing citizen. I do not have an accountant. My father taught me how to do my taxes when I was 16 years old & I have been doing them myself ever since. Yes, deductions included, I learned year by year as I acquired things as deductions $$ โ˜บ It is Wonderful to live a sheltered life ๐Ÿ™Œ, & to have a "Self-Employed" breadwinner as The Threshold Of Ones Temple, but in todays world – on the
    " Govern – "Mental" aspect, it is NOT a winwin outcome.
    We need to take heed & do what you have done & are learning to do! ๐Ÿ˜ฝ Continue doing what you love to do! Continue to share! Have a Great day!! โ˜บโ˜บ๐Ÿ˜Ž๐Ÿ˜Ž

  • Oh Tessie your doing just fine. I love your attitude and the way you look at things. Have a Blessed Day!โค๏ธ๐ŸŒน

  • Tessie, talk to your tax guy but you should also look at writing off all your expenses for your family trip. Since you recorded it and put it on youtube that was a business expense. You paid for all the cast and crews lodging, entertainment, meals and traveling expenses.

  • Tess, you are Blessed to have the LORD in your life. I really enjoy your videos. I like your bowl covers, and all your canning videos. Keep smiling.GOD BLESS YOU AND YOUR FAMILY.๐Ÿ˜‡๐Ÿ˜‡๐Ÿ˜‡

  • Oh… my very good friend….you are Rich in Heart โค๏ธ and Spirit. And thatโ€™s what makes the world a better place!
    Absolutely, treasure your talent, your frugal ways but mostly your SMILE ๐Ÿ˜Š.
    Shelley ~from Michigan

  • I earned an income outside of the home years ago as I was a divorced mom of three.
    But now my husband is quite traditional… in the old fashioned way. He works, I stay home. That's our life and how we want it. Others don't understand it. But we love it!

  • Tessie you have come a long ways. I agree , what the world thinks is not important, you know you have found favor with God and that is what is important.just keep being you and God will continue doing his part.great video friend have a blessed day

  • You are so blessed Tessie, and you SHINE! ๐Ÿค— From the inside out๐Ÿ’–๐Ÿฆ‹
    Love always my friend. ๐Ÿ’–๐Ÿ™

  • Amen to this video Tessie, we are ALL rich in God who have accepted Christ as there saviour. If I never meet you here on earth I will be meeting you in heaven God Bless you sister !!!

  • Wisdom is given to those who Love Him! You love him and that's the important thing in life because everyone loves to have their children in their life. God feels the same way, right? You have learned to be content!

  • It just goes to show that we are never too old to learn something new. ๐Ÿ‘ฉโ€๐ŸŽ“๐Ÿ‘จโ€๐ŸŽ“

    Unfortunately it seems like every darn thing is taxed! It's good to have a savvy accountant when you have any type of business. ๐Ÿ’ธ

    So glad that you continue to grow. You are rich in what is important. ๐Ÿ’œ

  • Good morning Tessie. Save all your receipts Tessie and write off as much as you can. I agree with Farmer G. God Bless and keep you safe.

  • Thanks for sharing! I love your refreshingly honest approach. Iโ€™ve followed you for awhile now and have just started my own channel, so itโ€™s encouraging to see that you can actually earn a living from it. โค๏ธ

  • I am a fairly new subscriber and I really enjoy your videos. I do have a question- is your husband still working and do you combine your income for the homestead? If this is too personal please ignore. Thanks for your great videos.

  • Argh taxes did them for years for several families that coulnt afford co to do them so after work and weekends i would do them to help gave ut up 5 years ago my daughter became an accountant yea

  • Hello Tessie and all, Well, I knew your story, but seeing you tell it and the joy you have with learning new things is just delightful. It is exciting to learn and grow and you have done that and with humility and grace. I remember at 18 being scared to ask the bank how to write out a check (school didn't teach us that) and you must have been feeling that when going in too, but older. The down side is dealing with the culture and money. People look at you different when you have money (in their eyes). We see how you live (so bountiful, just like the town in PA) and while we might be running to the store to get band aids, you could get your home made and stored first aid kit out and take care of it. When I see your homestead and home and outbuildings fixed up for what you do to put up things, I compare it to some of the homes I visited when working and you are RICH! How much money is in the bank is not equal to rich even though that is what most think it is. The love and laughter in your family is worth all the gold. To sit at your family dinnertime must be such a wonderful time. Most families today pass each other in life. The microwave heats up whatever mom might have left or pizza (in a city any kind of a meal) is ordered in and everyone grabs a piece and scatters.

    It is very good that you are becoming knowledgeable in these things because one never knows what the future holds. Our society has put down the skills of being a stay at home mom for so long that no one sees the incredible skills and value of the stay at home mom. (or dad – my uncle raised all 7 of their children while she worked and his home was spotless as was every well behaved child) It is good that you are seeing the skills and growing into yourself with this 'youtube' experience. How great is that!

  • Hey Tessie thank you for this Video, as this being my 1st year doing YouTube, I wondered how the taxes at the end of year would go. I didn't even think of the tax deductions from the equipment I have purchased. You are right the behind the scenes of YouTube is very Taboo. I think you hit a Great SUBJECT! Please continue this when possible, I'll be watching ๐Ÿ˜ณ Thanksโค

  • Question do you now just pay taxes .Why I ask is didnt you years back have 2 homes and lot of money because I know I pay land taxes each year and of course taxes on trips to the store .A person cant not pay taxes they with us unto death Lol .Have a great day and God bless you and your family

  • Tessie, you are rich, your right health, a roof over your head, food and family are whatโ€™s important and make you very rich๐Ÿ’•๐Ÿ™

  • Tessie, you are doing just fine for yourself. Now I understand why You Tube is so important to you. Your first real job! I worked at a career for 30 years. Now I'm semi-retired and making a fraction, but I enjoy working alongside students. If carefully managed, my budget pays the bills and allows for some fun hobbies that benefit our household. Keep sharing all your great money saving ideas!

  • I am a new subscriber and am loving all of you videos. Your sweet spirit comes shining through in all of them ๐Ÿ™‚ Homemaking and homesteading IS work, even though it is not work for which you receive a paycheck. You may not have run out and gotten a part-time job at 16 like some of us have, but it sounds like you were a working woman from the age of 17 ๐Ÿ˜‰ God bless, Tessie, and rock on!

  • I love this video. You are definitely not poor, in the things that matters ๐Ÿ˜Š. I do have a question, and itโ€™s probably very stupid, but in the Mennonite culture if the husband passes away before the wife, how does the wife know how to pay bills if she has never done it before? Do family members teach her?

  • Sweety, you need to look at your place as a small farm, and treat it accordingly. Most states have a farm protection law so that if there's an accident or injury on your property they can't sue you into oblivion. Also, part of your electric, new canning jars (& lids), and other things that you need to make your videos and run your "micro-farm" can be deducted (chicken feed, seeds, mileage to get business related items, etc). I'm not a tax person (dyslexia makes paperwork a new adventure every day), but there's plenty of info out there for those who want to protect their assets effectively.
    We recently lost our good friend & CPA who was so gleeful about helping us find our legitimate deductions. His soul purpose in life was to help people keep as much of their hard earned money as possible, and our urban farm was one of his pet projects (the fact that I refused to take social security disability impressed him as well).
    Anyway, it's so wonderful to see you happy and enjoying life. Hope you and the family continue to prosper and be healthy. Love & Prayers

  • Tessie, alot of yt people register their yt as a biusness, and they can make deductions I beleive, check into it or ask others about it….

  • Tessie, I just received '366 delicious ways to cook rice, beans and grains" in the mail today! Yeah, I'll be reading all weekend. Thank you for sharing your knowledge.

  • Tessie, thank you for your honesty. I lost my husband 16 years ago and at 55 it was a learning experience. I did pay bills and help with his business somewhat but as a sahm most of my life my skills were limited. But I had Jesus who is my father and husband. He has truly taken care of me. My faith in God is what has gotten me through. I'm happy God has given you His wisdom in your youtube endeavors. We never want to think of losing our spouse but it happens. God is there for us when we ask. Tessie, you are a blessing. I love to watch your videos. We never stop learning and I learn from you all the time even at 72 years of age.

  • You may not have earned money before now, but you have a wealth of skills and homemaking experience that you share with us on this channel. What goes around comes around! ๐ŸŒท

  • Oh, Tessie, you are so precious! Isn't it wonderful and so freeing to just be content! I believe that's what opens doors for us to grow and learn is to be at that special place where God can stir our hearts and show us who we are. And we push past the negativity and no one can stop us! Praise Our Heavenly Father!

  • Hey Tessie been awhile have some catching up on your videos. Busy time of year for me and my work. You seem to be doing great! Beautiful gifts, Have a nice weekend love you kristie

  • Yes Tessie you are right when it comes to this world we are nothing compared to the great I Am ๐Ÿ˜‡ our Lord and Savior blessings my friend

  • Your life has been a shining example of the plan God has for mankind…just think, if we were all that way, what a beautiful world weโ€™d like be in…Iโ€™m sure some will not agree, but I do, and have lived most of my life this way๐Ÿฅฐ๐Ÿฅฐthanks for sharing…hugs๐Ÿฅฐ๐Ÿ™๐Ÿป๐Ÿ˜‡๐ŸŒป๐ŸŒป

  • Please don't let YouTube change you Tessie. Please stay the innocent girl separated from the world, which is pleasing to the Lord.

  • I love how you will talk about the most interesting things that people would generally not talk about, like you said LOL well I haven't even watched it more than two minutes but I'm excited because I need all the help I can get with my taxes! thankyou Tessie Bless youโค๏ธ

  • I worked hard for 36 years, juggling work, raising a family, living in debt – chasing the dream of bigger, better, more. But I was never content. Wasn't until I took early retirement (and yes, I realize what a true blessing that is and am so thankful), and slowed down and started living more frugally did I realize what contentment was, and that what I'd been searching for my whole life was a simple life at home. I'm in my late 50s and just now embracing the role of homemaker – I never had the time before! I look after our 4 granddaughters (affectionately known as the princesses) 3 days a week, and with the guidance of wonderful people like you, Tessie, am learning more about gardening, canning, preserving food, living more simply and frugally, growing in my relationship with the Lord, and finding joy and contentment in the simple. Although we have a much smaller income now, I can honestly say that I am much happier. Bigger is not better, and less is more! God bless, Tessie – thank you for being a light for those of us who are coming out of the shadows of the rat race!

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