I am glad knowing you've learned something from this post @josejirafa! I hope people who have read this the first time are as open-minded as you. Also, I hope nga nakahatag pod nig idea sa uban about retirement kay di bya tanan gtudlo sa skwelahan bitaw. Indeed, planning is key gyud! Plan, then we'll take action. Aja sa life! 💪 God bless you!