[TrudyM]

l2ridehd -You have it all planned out well as your advice always is.

Problem is my husband refuses to face any of this.
Its a live for today don't invite the evil luck Hawaiian thing. Any time we look at long range plans he gets very nervous and depressed.

I have it set up for me but he will either get drug along with my wishes or our son will have to wing it.

You can take the Hawaiian out of the island but you can't take the island out of the Hawaiian.