@Cody Smith  You are always going to want reserves because you don't know when things will break and all the bills (taxes) are due at the same time. 

@Bill Brandt I could just change all my addresses, but since you dont get a warning before hitting jail, I'd rather not risk it.

That way you can mentally prepare for that bill at the end. 

Some HOAs/condo boards underestimate the HOA fees needed for upkeep or there is a natural disaster, and then bill you for a one time payment to make repairs or improvements. 

Let them take over the running of the plant, the risk of repairs (be it to the WWTP or the sewer pipes), and let them take over the billing. 

I do not need cash flow to pay my bills and you appear to be in a similar situation.  

@Bill Hampton Thank you for the advice !

Also in MA you need to think about the heating bill in the winter time if that is something you'll be paying as well, and I don't see that accounted for anywhere. 

You expect to pay $30 plus labor when you called the plumber, but the bill is now a couple hundred$.

Hi Nate,I'd agree with what Bill said and expand it a little - if COVID, a long lasting recession, insane money printing, whatever, were to slow down oil and gas activity in the Permian Basin for any substantial period of time (years not months or weeks), then the economy has some much larger problems than one market's strength.