Ditto the other posters but to take things one step further:
Things can go along yippy-skippy for years and then all of a sudden the shavings rug gets pulled out from under you and you've got more vet bills than what's in the checkbook
I've had horses my entire life. I have had more vet bills since March, on two of my horses, than I'm sure I've had in that entire lifetime.
My 2K - 3K, these past four months, is nothing compared to folks who have hauled a horse to an equine center for colic surgery, eye removal, etc.
Un-planned for expenses are a roll of the dice in horse ownership. Most of the big ones cause the Owner to stand there wide-eyed wondering how in the world did THIS happen?