>So be sure you invest in IRA’s, 401K’s, Life Insurance, Bonds and Savings Accounts. It has great value but perhaps not to you!

Where they heck did you pull that from? All I said is Mr. Kreps should not expect the same rate 15 years later due to inflation and his increased age. Who gets something for nothing in this world?

FYI, I am trying to save what I can for retirement. But, if I'm comfortable in retirement, it's because I don't live beyond my means and I don't need materials things. The only thing that really matters to me is Love and Knowledge!

Charlie