I love hearing stories about your daughter. I'm so tickled that she is working at the tree farm and is exercising her creativity there. At least that's more fulfilling than being a cashier somewhere or--God forbid--a sales clerk at the mall, where it would be too tempting to spend the paycheck before it landed in the bank!
I think we 40-somethings need to protect our financial futures by investing in companies developing hearing aids and tattoo removal--LOL. I have a D14, and although no tattoos yet, she is busy at the moment trashing her eardrums with her iPod.