Only 3 weeks out of debt for having remodelled the master bedroom and bath, and now look what we’ve done. Cabinet missing, fur-down gone, wallpaper striped, popcorn off the ceiling, holes overhead still in need of patching, insulation everywhere, the smell of (sheet rock) joint compound in the air, ladders poised for service, and a hammer – you gotta have a hammer – on the counter.

It’s about getting re-acquainted with the banker all over again…and the unsettling disruption to my morning coffee routine.