My point wasn't really about how I planned...over the last several decades I have had a number of major setbacks (as everyone does). My point was really about the fact that I never really believed the government was going to 'save' me. It has been my experience throughout my life that no matter how badly I screwed up, nobody is coming to save me. Whether I liked it or not (and I did not!) that turned out to be good information to have. Or as Ron White might put it...That was a handy bit of information to have. :)