Such sage advice @jlufer. This would be a good blueprint for anyone in any country to follow. Time is so slippery and appears to speed up faster and faster the longer we live. It seems like my first eighteen years of life passed more slowly than the next thirty-four years! We're starting to see older siblings and cousins retiring now and almost no one saves enough. I really like how you view life and the things you value because "do not live to make money" is of utmost importance. Thanks for taking part in Memoir Monday! You are a good soul.