Hell, Roper, you're almost done!
A word of free (and know what that's worth) advise for you folks out there approaching retirement: Save every penny you can and live for the future, not for today. Forget about buying things you don't really need like a bigger, better home. or a new vehicle (other than a boat!). Make do with what you have and save, save, save for your retirement years. Why? 'Cause they're gonna be the best years of your life IF you are prepared for them.
I wish someone had told me this 20 years ago. Instead of tinkling away money on dumb projects (such as my kit cars and autocross racing), I would have banked those bucks in a good investment and been better prepared for my retirement years. But, no, I had to go living for THEN at a time when I had to go to work 5 days a week! What a dope I was. Don't make my mistake.
Jeff
"...reality is not nearly as lovely as the world of Liberal Land. No wonder so many people want to go there." - Tom Sowell