I have a bday Aug 12. We'll both be 51 this year. I still have a way to go before retirement, but I know it will come around fast. I want to retire at 63, and we will either build a house in Belize where we have two lots, or Merida MX. We are going there in Nov to get more of a feel for the city. Having those GNBT and NGI shares in my Roth will help my plan stay on track.