Rene, When I was 21 years old, the first thing on my mind was not money. I never gave any thought of retiring, or even saving money. I was living in Greenwich Village, going to school, listening to fine jazz & trying to sample as many girls as I could attract. I had many idealistic thoughts like saving the world from hunger & famine, equal rights for all people, banning the bomb, & hoping for medical breakthroughs that would cure illnesses that ravaged peoples lives. Who needed money!!!! Boy was I dumb. I now have no money to retire & am forced to live my life in Florida. I must go to dinner at 5:00 to take advantage of the discounts that are given for "early birds", my wife must cut coupons to save at the supermarket, & we both drive 10 year old cars. If only I would have planned more wisely as you seem to be doing, I would not be in this position. This is the 90's & not the 60's and things have surely changed. I wish you good luck in your dealings and hope that you get what you want & what you deserve.