Kgem, you are right about one thing-going back to work is not in my future-my wife and I struggled early on financially but stuck it out and are now comfortable-not rich (yet). I lay awake at night thinking of handing my children that first big check. Never bought a new car and paid cash for it, but its coming. And I will go to the casino and not be wound up in a knot if I lose a few hundred-heck, I may carry several thousand and head for the high limit blackjack room.....