It is such a struggle in today's economy. My husband works though the carpenters union. In the last year he only worked four months of the year. That's not enough to take care of the bills even with unemployment. If we didn't have our rental unit we would be broke. My husband said it is time to go back into business on his own. But the government makes it so hard to take on employees these days. The taxes and insurances, vehicles it's a big risk that I guess were going to have to take.