It was a gray, foggy day and I sat inside my car at the dock watching out over the bay. The whole world seemed gray and sorry. I came to this spot a wide range of days on my lunch hour. On bright days, I liked watching the boaters, swimmers and also the paddle boarders. There was usually a great deal of things happening in this area. The picnic tables were usually filled with families enjoying their time, as well as the playground getting filled with young children laughing and having fun. Not right now. It was deserted and restful. As I sat in the silence, I was imagining what I’d need to do about my HVAC system. I just received the bad news this morning, that my HVAC system needed to be completely replaced. I did not have the cash for a new HVAC system, so I was considering my different options. I could ask my folks for the money, and they would happily lend it in my opinion. But not before talking to me about how I should be saving extra money and be more careful about my spending. I didn’t want to be troubled by that. Another option would be to get a home equity loan, but I wasn’t even positive I could handle the additional payments. Perhaps I ought to consider getting another job. None of these directions seemed good to me. And sitting in my car during this dreary day, wasn’t making me feel any better. Maybe I will just sell the home and transfer myself to an apartment. Then, I wouldn’t have to worry myself about an HVAC system.