Anyone have a winning lottery ticket?

The new (used) car gave me that wonderful sound that every car owner learns to dread. Its the sound that I call the great barrier reef. The sound was first described to me when I was in the navy, by a shipmate who called it the worst sound he had ever heard in his life. It was the sound of his ship scraping over the great barrier reef around australia. Definitely a sound that grabs your attention.
In my case, it was just the brake pads giving up the fight. Took it to sears auto. My regular mechanic has retired, and the fellow he referred me too said he doesn't do volvos. Put it up on the lift and instead of needing a couple sets of pads, I needed four new rotors, four new calipers, and the pads. Ended up costing me $1160 bucks! Yikes! That was the money I was planning on living on for the next couple of weeks of no work. I foresee a lot of ramen noodles in my future.
Then to add insult to injury, they tell me that whomever did the brakes last time have fouled them up by misinstalling the parts, and that the emergency brake system ( which is a completely separate set of pads ) is on it's last legs, and I should take it to a volvo dealer for repair. Oy! And I still need to buy some new tires for the thing.