You want honesty....Had kids young...I live check to check...I'm a money under the mattress guy...my 2 pins are worth more than what's under there now...I often "dip" into my 11yr olds wallet(always put it back)...only thing down the road is a pension...my kids will want nothing to do with me when I'm old...even tho I live this way for them...kept them all in sports (ice hockey is not cheap) since they could walk....I'll way out live my sickly wife...so I'll just wait it out in my paid-off by then house full of pins when I retire.....now that is probably the most honest post on pinside............Joey