Everything I have going on right now. It’s a lot.

Full-time W2 job: ABY Benefits – Sales role with growing momentum (first sale, Emerson Rogers referrals, Blue Cross opportunities). Some in-state travel required.
Contract work (with wife): JME Insurance Agency – Ongoing through end of 2025; about 10 years with the company.
Continuing Education Business (ComedyCE.com) – Produces CE classes for agents; low time demand but ongoing.
BenefitLab (SaaS tools + employee benefits products) – Includes Stella quoting tool, employee packet tool, and broker resources. Small but steady time commitment.
Ghostwriting for AHCP – Up to 4 articles/month.
Small personal insurance agency – Two clients; generates ~$600/month (half monthly, half in periodic larger checks).
Benefits Weekly – New weekly newsletter/blog project (with a friend), early stages.
ComplyDIY – Compliance website co-owned with ABY and others; unfinished and needs several hours to launch.
HealthInsuranceFAQs.com – Resource site for health insurance agents, still in development.

Mom – Recovering from breast cancer surgery; first chemo session is one week from today, followed by radiation. You and Vikki help support her.
Uncle – In skilled nursing, due for release August 5; you remain his primary contact for support and purchases.
Wife’s Dad – Dementia/Alzheimer’s; wife helps her mom with care, alongside a paid caregiver.
Nephew (Jeff) – Back in rehab in California after relapsing; unlikely to fully succeed but serves as a “babysitter” for now, taking pressure off Vikki. Still covered on your group health and dental plan (part of the $2,700/month family premium).
Sister (Vikki) – Dating your best friend Brian (about a year). She recently had to leave vacation early because of Jeff’s relapse.
Brian’s Dad (Lynn) – Recently had a stroke; being moved from Houston to North Texas. Will start in skilled nursing and may remain in a nursing home. Vikki is helping coordinate care.
Wife – Feels neglected because you work constantly, even during evenings. Wants to travel with you for work (due to health concerns) but is also needed to help her parents.

Abdominal/back pain – Ultrasound shows organs are fine; likely a muscle/nerve issue.
High blood sugar (suspected) – Needs testing and control before scheduling a colonoscopy.
Sleep and energy – Disrupted by nerve pain, medications, and work schedule (not primarily stress).
Limited exercise – Recently ran but out of shape.

Health insurance premiums – $2,700/month for you, your wife, and Jeff.
Caregiver costs – Paying for your father-in-law’s caregiver.
New car payment.
Taxes – Extension filed; some balance still owed plus repayment of borrowed money used for tax payments.
Home repairs –
- Tree removal: Completed ($6,100 including tip).
- Roof replacement: Next major project.
- Back wall and deck repairs: Still pending and significant future expense.

Amie’s 50th birthday cruise – You invited Vikki and Brian; they can’t attend but appreciated the invitation (though may feel it was an afterthought).
Family events – Often strained by Jeff’s behavior, but rehab reduces tension temporarily.
Work travel – Wife worries about your health when traveling; feels like she should accompany you, which conflicts with her need to help her parents.