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Thanks Greg, that's the kind of critical look at my situation that I need.

By your definition of "living below my means," I guess it's only been several years. This year, for example, I'll save close to 30% of my salary. But up until maybe 7-8 years ago it was closer to 10%.

It's true my savings are not what they should be. I got a late start on working, spending almost all of my 20s in school. But worse, I'm one of the many who got carried away on the tech stock boom in the late 90's (oh, those were the days). I lost an embarrassing amount of money, in both my retirement and nonretirement accounts.

Thanks again.
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