Hi Galen, I also believe there comes a world of financial pain, and with my age I am also well on my way to self-sufficiency. Younger people should read this post, diversify, don't put all your eggs in the same basket, and combine risk (without getting greedy) with secure profitability are very good advice.
It's something that sometimes has to come with age and, contrary to what they believe, young people don't know it all and have rarely had the right experiences to get the hang of it. Most just don't want to be told I guess. Oh well, they'll learn soon enough, many of them when it' far too late.
Happy new year too...it's arrived and now it's time to get on with it and make it a good one.
This way I see it coming over the horizon...
It looks like a good year... And if it is not... We'll turn it into a good one...
Best regards, Galen.