I do have an accountant she phone me last night to tell me she was starting it. She didnt put any of the deductables yet. Its based on what i made for the year. I try and put money away each month but we end up using it for some months. Last year i found i couldnt save around christmas time the summer when i had school age kids they tend to eat more and my food bill went from 250/month to 400/month. So as it stands this is the last year i take school age.