Speaking of levelheadedness, I'd have to say that this describes your post. Welcome to the $ONCS board. Hopefully, we'll see more posts from you.
Saving up your money for a rainy day,
Giving all your clothes to charity.
Last night the wife said,
"Oh boy, when you're dead
You don't take nothing with you
But your soul - think!"
(Lennon/McCartney, "The Ballad of John and Yoko")