However, something came up and I will have to pay $20,000 for a surgery in a month, which will cut in half my $40,000 savings if I pay cash... 

The problem is I have knee surgery scheduled at this end of this month and I wont be able to go to work until October 2. 

Figure after all those deployments and 17 surgeries later it couldn't hurt to allow Uncle Sam to help me get started in rebuilding my life and laying the foundation for my kids future.Nice to know I don't have to reinvent the wheel.

For myself I have had 3 knee surgeries while in, documented partial tear in the rotator cuff, torn ligament in my leg, documented arthritis in both knees, both elbows and other minor problems that all add up.

And they are bulky and hard to move (especially with stairs).Some of my best tips are to make peace with it and get to know your appliance delivery person on a first name basis (they may prevent back surgery for you!).

By the way, don't use a plumber; it's not rocket-surgery.

I think not doing an ARV and repair cost is like doing surgery and not bringing the right tools, hoping the person you are operating on doesn't need the tools you don't have if that makes sense.

Corrective surgery for him is $100K+ for both ears.

My daughter needs a complicated heart surgery and MUSC is the place.

I had nothing to do sitting on the couch all day after surgery so I started listening to audiobooks, podcasts, reading some books and watching YouTube videos.