Dang bud, you're reading my mind. Unfortunately I have squirreled away the overage into some trees (penalty for early withdrawal) for later use. Should have opened a specific boat fund account. Live well on guarantee, but my best half just mentioned maybe we could live on a good size boat. Didn't see that coming... Enjoy time home chilling too much for OT so no boat until boat pressure increases - doubtful.

*Definitely budget for min guarantee. Live well on half, play with 25% and squirrel away the other 25%. Harder to spend what's not right in front of you. If you play well every other month or so you can really robust your armor quite a bit more. Just me specifically, but all hours over guarantee are gravy and most of the time spill into savings. Everyone's situation is different no doubt - although it's amazing to witness how well we melt plastic.