Carrie I deffinatly know were your coming from... I too am 28 and have way to much saggy everything. I also know that having this band done was the best thing I could have ever done for my self and my family. I will one day get PS done but it will take time,planning and saving to do it...in the mean time I am just trying to focus on eating right and excersing and hoping that will help me be a better person over all ..at least healthier anyway!!! I need to lose about 20 more pounds and my next Dr. viist for my band is in about a month... I will start asking questions about it and start planning from there. I do know of one PS group locally that lets you pay monthy payments on your PS and they don't charge a consult fee...so I will probably check with them first ...then at least I will know what I'm up against money wise. As far as my job I'm deffinatly worried about how I will ever get to take off enough time to have this PS done with out getting into trouble with boss, money ect.. for know I have to wait,.... so we wait together.... but we wait looking and feeling lots better than before.... What an acomplishment and a long road ...we all have come so far!!