Fortunately, I had been paying extra on everything prior to my DH’s “retirement” 4 years ago. We opened a karate school 2.5 yrs ago and we are looking to expand. So, it looks like we will be taking on debt to do that. Our rent right now is ok, but we are outgrowing our location and even if we stay and expand in the building, our rent will double with no real way of adding things like an afternoon program, expanding summer camp, adding classes. Our best bet is to either purchase an existing building or purchase land and build. So, it looks like we’ll build. Scary time, but looking forward to growing the business.