Hey there FL - I saw those posts many moons ago! And yes, you HAVE come a long way. I don't get here often either. Life gets in the way.
One thing about your pension "value" estimate. You need to get the details about that estimate. Is it the total sum of the monthly estimated payments over your remaining estimated life? If so, then that would have to be discounted back to a present value to be considered value. $1 in 20 years is not worth $1 today. I agree with the post that tells you to get your own estimate.
That would certainly be worth the money you spend. Glad to hear you're doing well!
