No. of Recommendations: 1

Thank you for providing an extremely well thought-out response to the posts and insight into your life.

I can't add much to your awareness, it seems. I wistfully wonder what my life might be like today had I your awareness at your age. My life is more like the Pa. Dutch adage: "Too quick old, too late schmart!"

I do, however, wish to share something that you didn't express that took me a while to grok: How I think I will feel when I get to a certain age bears little resemblance to the attitudes I actually have when I arrive at that age. For example, the me of today also believes he will never stop working at something.....but, increasingly, as the years accumulate I find myself entertaining thoughts that are different than that. I find that I am less tolerant of the unpleasant in the work arena and more enticed by travel and other pleasures. This is just a minor area of change, mainly illustrative of an individual's evolution through life toward goals sometimes vastly different than are envisioned at an earlier age.

What I have found is that my plans have to be flexible enough to allow for an evolution in my attitudes and outlooks that may lead me to less income generation at an earlier age than I previously thought. Usually, that means liquid asset accumulation sufficient enough where a conservative drawdown schedule will allow a comfortable lifestyle for the rest of a long life.

Regarding disability insurance.....1). It never seems to cover what you (when healthy) think it will cover. 2). If it does, it's never enough. 3). What else will change about you and your needs in disability? Will you need reschooling for a different career? Funds to start your own business venture? Medical costs not covered by insurances? Remodeling the home to account for the disability? (You have probably addressed alll of these issues, I'm just thinking out loud).

I know one can never be totally prepared for what is, essentially, the unknowable. However, you surely do seem to have a leg up on many of the cointingencies and I applaud your achievements and your search for improvement.

The role model you and your wife are setting for your kids and those in your spheres of influence is wonderful. Keep up the great work!

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