Well said, Bill.
As for the healthy lifestyle, my wife and I go regularly to the gym in addition to eating healthy foods. No fast foods and no prepared foods, insofar as possible (less expensive too.)
We continue to live well below our means so that any excess funds can be invested wisely. Credit cards, which seem to be a necessity these days, are paid off monthly. When we went into retirement, we had no debt and that has continued. If you don't have any monthly payment, it is easier to economize.
We hope to maintain this lifestyle until we move to TV in 2011.
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