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I thought I'd sneak in an update before the 1-year mark. I know what I'm supposed to do. It's pulling the trigger... DH is also less enthusiastic about FIRE. (We are not in deal-breaker territory.) He goes up to the company match and has a gleaming set of golden pension handcuffs waiting in 13...

...LOL @ Gumby's answer... Some time ago I heard the saying "We all have two lives. The second one begins when you realize you only have one." It stunned my simpleton brain and stayed with me, and I began to feel very mortal. There is a nerdy MMO undercurrent to the name as well.

I mainly wanted to post a thanks to the lot of you. I've been lurking a long time. Reading, thinking, understanding. Reading, not understanding, Googling, thinking, "Eureka"-ing. I'm also placing a little marker in the virtual sand to perhaps update in a year. Me: Took a long time to grow up...