Well, I'm 52 and know that I've got more years behind me then I do in front of me. I will retire, again, retired from the military after 20 years at age 38, at 55 from Boeing and I intend to enjoy each and every penny I have. I can not take iot with me and insurance will take care of the wife and daughter. So my rule will be spend, spend spend before the closk runs out..