I hear ya.I got lucky with stocks in 1991.Lost 95k in 1990 and decided this is not as easy as it looks.Took up t/a in 1991 and never looked back.Love not having a boss(not including the wife-lol)Never dreamed i would be able to retire early doing this.Was an executive in a few co.'s before this(did well) but can't beat this.glty.