You misunderstood my post. I said I never had to pay in the thousands but I've always had to pay. My bills generally ranged 250.00 to 700.00. This was when money was taken automatically. I'm not trying to go back and forth but I guess technically now I do pay in the thousands but that's because I don't have anything taken out of my pays. I save more than I owe so I give myself a refund after I pay them. I get deductions but they're all work related. Truck repair, supplies, etc..