so i'd have to use only my own funds for that. which i can only use 2k of. *and not even that much*. because as soon as you get a CENT over 2k, THEY WILL COME KNOCKING ANGRILY AT YOUR DOOR, CALLING YOU, WANTING YOU TO PAY THEM BACK FOR EVERYTHING. so realistically, the only amount of savings i can ever have ISN'T 2k... it's 2k minus the amount of money i get a month. if not less, so i don't accidentally end up five bucks over and then have to kowtow to the government for three weeks. U G H