Just a reminder of why it's important to LBYM and plan for unexpected expenses in retirement or semi-retirement. I was just starting to think it would be possible for me to come in under budget for 2009 living expenses. So much for that idea. Sunday morning I woke up to a dead 6 year old refrigerator, $500 later and lot of work it's replaced. Next day, I lose a filling in a molar and the dentist says it's time for a crown, est $1400. Not that I believe in such things but I am wondering today what is the number 3 item of bad luck going to be 
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"If you don't think too good, don't think too much" - Ted Williams
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