[kcc123]

The most important barrier is home equity to my house. My mom takes care of all of the housing taxes and finances . I don’t even look at how much it’s worth or anything. I went a week homeless in my lifetime due to gambling many years ago. I had to make a decision to ask for help or be prideful and stay homeless.

Anyway…marking an account as unavailable is a good idea. I tried in the past but failed. I will try again. I don’t really want to have my parents handle my day to day cash flows. I will think of more barriers that are realistic.