Thank you. I recognize the kind intent. Believe me I am keenly aware of my decisions and consequences. My wife may well agree with you. Recognizing the effort required, I set my goals very early in life. I am still fairly young and my goal is early and active retirement. We take a lot of time off with a minimum of 4, 1 week trips and 1, 2week trip per year that I totally need, but in 16 months, I will be working much less and only by choice. Now if God is willing and good health remains, I will be playing a LOT more pool!With the utmost respect, I think you should take your own advice and see what your real priorities are. Looks like you do work a lot, maybe too much so that life is passing you by.