Edit: AOU added that insidious flare, not me. I'm pretty giddy about this, thought I'd share my story... I had guesstimated and budgeted for minor road repair and the final finish course of asphalt for ~4000ft of road in my subdivision three years ago. Stashed the cash in a bank account and it's been sitting there untouched, just collecting interest. It is the developer's obligation to apply the final course of asphalt prior to submitting private subdivision roads to the town before town acceptance to turn the private road into a town maintained public road. I budgeted $125K, but the quotes I've received this week for the repairs and paving are around $82K! It's like I've discovered $43K in after tax cash that I didn't know I had in the pocket of an old pair of jeans. Sweet! The new windows, siding, roofing, etc planned for my old family homestead is going to cost me $43K less next year, a big chunk of the overall anticipated cost. There is always a good place for extra cash... Yeah, it was my own damned fault for over budgeting in the first place but it all works out in the end. I'm in a much better situation than if I had under budgeted!