Thanks, BobbiJo. I listen occasionally on the radio. Good, common sense there. Not worried too much about current mountain-of-debt-like-never-before since house sale proceeds will wipe that out. Just need tools/skills going forward and hopefully lose my total intimidation and paralysis by all things financial.

Gardener

"My soul, be satisfied with flowers,
With fruit, with weeds even; but gather them
In the one garden you may call your own."
Cyrano deBergerac