I just wanted to take a moment and thank each and every single person who posted their responses. I so appreciate the many thoughtful and reflective responses to a tough emotional and financial issue, and I apologize for not sooner expressing my deepest gratitude for your sharing them with me.
For as I was experiencing this dilemma as a reality, it was comforting to know that people understood and could empathize with the situation.
P.S. I was proud that I immediately got the "S" hook reference and thought it hilarious.