Stephen it is post like yours that make me 'wish/goal' in to existence an ability to "Messenger" other users this information 'instantly'. I'm one year behind you in the Race Age with the speedometer hitting 49. I have a co-worker who just 'on-boarded' last night. Being "Mind-Blown" on how he see's things at the 'tender age of 22'. Nice Guy, took two months to get him 'up to speed'. He's @mrkroonsteem welcome him if you wish. Key aspect in your post: No Debt! People fail at economics above the length of 1 Month. IMHO.