I have not really thought about this too much, because up until recently I was a lot more concerned with more mundane and immediate things. I had kids to keep fed and clothed, had to worry about getting them into college, then I had to get them cars and worry about car insurance rates for teen drivers. All of that great stuff that comes with growing up and becoming a responsible adult. It sounds all too dreary in the past tense, but at the time you just muddle through all of it. Now suddenly Meg and I have rather little to worry about, aside from our own mortality. The kids are grown up and out of college, in fact they did really well and we did not have to spend all of our money on tuition, because they had plenty of money from scholarships and the other stuff.