and no, you are _not_ a "fool". A fool is one that _never_ overcomes denial, than _never_ takes action to improve their lives. You are clearly the opposite of a fool. Working on a second degree with 4 kids and another on the way? You have my respect and admiration.
I just wanted to repeat what DesertEyes said.
Wow, lady, I salute you.
You can do this, and you are certainly not a fool.
Beth