True JP. That's why my wife and I are engaged in a "retirement mentality" now. In other words at 44 and 45 we're travelling and doing things we always wanted to do in lieu of getting rolled around Rome in a wheel chair 25 yrs from now. I might write a book..."How stupid financial decisions led to happiness." I'm not going to have anywhere near what I need for a comfortable retirement (according to the pundits) so I figure when I have dementia I'll just work until I drop dead - and hopefully will not be lucid enough to care. Customer service is so bad these days I could probably get a job as a greeter somewhere. In the meantime, $80 bottle of Cakebread anyone?