These days I'm spending too much to set aside a bunch of money for retirement, paying the mortgage and sending my oldest daughter to college and two years behind her my younger daughter, and immediately after her my son. I started paying into FDIC at age 15 in 1969, and non-stop ever since, except for two whole years when I was out of work, what fun that was. Now I guess, if I live long enough to retire, I'm gonna get zip back.
Yours WDK - WKiernan at concentric.net