Cyndi and Dave,

I agree wholeheartedly, 100%, with all my heart, and any other superlative or dedication sentiment that you can name, that I would not, will not, and have never endangered my family's financial well being for any reason, whether a current interest for me (as Alan suggested), or a hot stock tip, or a great real estate purchase! I am very conservative when it comes to providing for my family and our retirement. Too many of the relatives on my side of the family did not follow that approach and will be working hard labor jobs until they die. I want to enjoy my life (my goal was to retire at 40, but I might have to wait an additional 5-7 more years).