Andy, I agree with Vince, Willy and the others, each make very good points, and I think you have the right approach in your last post. Tell her how it is and see what she say's, if she truly has feelings for you then she should understand your financial situation. Let's face it, with the economy the way it is now the last thing you need is a women who wants to drain you financially, or has unrealistic expectations or dreams. You will have your answer in her next letter, if she makes high demands then just let her go, otherwise she may cause you much stress,pain, and heart aches further down the road.