I appreciate your post: I too would love nothing better then to have an apportunity for early retirement and the ability to secure some things for my kids along the way. Life is so short and it be nice to at least reduce financial worries. Thats my goal and again I'm a believer that if its meant to be then it will. I learned that we have very little control in lifes ways so all we can do is our best and hopefully we get a few perks along the way. GLTY as well.