[Lancelot]

Hey Bill J,

I'm a newbie too, but I think Messrs. Chuck-Lyn, Salaryguru and Malakito gave you some timely advise.

I just try to remember that while my income may be fixed, I am totally in charge of my spending. Spending is the biggest lever that I, old Lance, can control. Finding cheaper shelter can make on HUGE diference to your budget. And living in a relatively low cost state or region helps too.

To me, I can have the "perfect" plan, but what is that worth, if I can never take the plunge?

Have a little faith Bill J.; sometimes just showing up means all the difference.

Lance