<prompt> Human: My questions is, what happens if I have a bad month or two. I can find a short term loan to cover a month or two... but if it continues, is the thing to sell the house and go back to renting? Or is that a shot in the foot? i am in toronto where properties go up at least 10 in a bad year, and my house is worth probably 1.4mMy revenue is usually 25-30kmo, but that is purely based on happenstance. Most of my money comes from new clients. It feels like the floor could slip out from me at any moment, especially because a lot of that is from organic google placement that I got lucky with although I have been playing with SEO for 20 yearsFixed expenses:4500 mortgage3000 short term loan payment for reno. 5yr to pay it off6000 taxes canadaToddler 1000 daycareElectricity 500Gas 200Clothes and spending money me and wife and toddler 1500Sometimes fun 1000Sometimes vacations 500Business overhead 3000Something I cant remember: the rest  <response>: Youre spending 3,000 a month on useless shit you cant even pinpoint. Cut down to a few family dinners out a month, renting a redbox instead of going to the movies, etc. 