I wanted to post as it struck me that in many ways you sound like a combo of my mother and father. I feel sad for mom becaue she is 68 and working very hard, but dad is kinda kicking back. It is sad that I don't think mom has learned the lessons you have. You gained from your disaster and I think you should reach around and pat yourself squarly on the back for that. I think you got some great advice from the other poster, I will just say that I agree. No Loads and low expenses is the name of the game. I like Vanguard and I tell everyone I know to consider their funds. My parents have been divorced since 1968 and they have very different lives. Dad lives in a small town and tinkers with his interests. He thinks he's invented things and maybe he has. All I know is he's pretty happy, looks healthy and has a ton of friends he hangs out with. Mom lives in a Las Vegas, gambles way WAY too much, blames her current husband for her problems and I don't think is nearly as well off as dad. I asked dad a few years ago if he needed any money and he said no, he had his social security. Mom on the other hand says she HAS to work becuase her social security is not enough. Go forth and be rich like my dad. Know what value to put on true friendship and pay attention to fostering good will. I know from watching my mother how hard it is to HAVE to work, yet I think you minght find joy in it. Good Luck. Oi
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