About a year and a half ago, we began to realize that our reserve fund was shrinking every year... And we felt that we had maybe three or four years before we really were going to end up in the red if we didn't do something...And then Covid came along...Tim Lutz, Bemidji Area Schools Superintendent In this segment of Let's Visit, Tim Lutz, Superintendent of Bemidji Area Schools since 2018, breaks down some complicated factors affecting his district’s budget and future financial security. Lutz