Thanks for sharing your story. It highlights the fact that there are no right or wrong reasons to make personal choices. Often times things in life are not just numbers and dollar signs, but memories, happiness, and joy.
Thank toy so much for sharing. Like you, I own my own business so the possibility of having a 'lean' year or simply losing the business is always there in the back of my mind. We have a US bank account where we keep enough $$ to last us for a two week trip and cheap flights. Its out back up plan. If things get really bad , we still get WDW, all thanks to our DVC membership.