i like your optimism, i think you are mentally exactly where i would be with things (more relaxed and go with the flow) if i had more money saved up in general - i manage to use it on bills and projects and not put much away. a few months ago i thought ICPA was making it big time and never looking back, and thought of my shares as a savings to an extent - there was a time i thought we were never dipping below .03 again.  was SURE not below a penny.   it is crazy now especially since i have been around the block in penny stocks, somehow this particular one i chose to trust in.