Hello all. After living below my means since I was in my early 20s and investing monthly regardless of share price in Vanguard index mutual funds since the early 1990’s, I retired from my work location in September of this year. I have lived in Florida since the early 1990’s, bought my first and only home in 1993 with a 20% down payment with a 30 year fixed mortagage. In 2005 I decided to just pay off the balance which was probably my best financial call of my life. Then from 2005-2018 I concentrated into pouring more $$ into my index mutual funds and company 401K. 2008,09 was a roller coaster for my net worth and with the recession of that time. But I I never gave up and I kept dollar cost averaging investing in Vanguard. I buy a new car every 10 years, pay cash for it and I have no debt except my monthly expenses to maintain my home. I can collect a small pension at age 55 ( 900$ a month), I currently pay medical / dental insurance monthly (600$ a month). As of December of this year my net worth is $1.6 million ( Index mutual funds and 401K ) which includes a 250K home which is paid off and 66K cash. I also help out my parents who are disabled and handicapped. Probably I missed out on all the fun by not getting married or having any kids but I have no regrets. My hobbies are working out in the gym and hanging out with a small group of friends. A fellow co worker of mine gave me a book 15 years ago called “ The Tightwad Gazette”. It’s a book that I read over and over again. I am a firm believer in “ buy and hold” in my investments and Warren Buffett is one of my idols. I hope all of you have a very Merry Christmas.