I finally got around to doing our taxes. I had been procrastinating because I realized we would owe this year after getting H's SSDI W-2 because I had no idea SSDI was taxable and we did not have taxes withheld. Apparently you have to fill out a Voluntary W-4 which I have now done but didnt know about prior to the W-2. So I was thinking we were gonna owe around $10k and freaking out because we could not afford that. I was 99.9% sure it would be that or more. Well the accountant just called and we owe a little less than $2k. This is SUCH a HUGE relief. I am so happy!!!!