Hi you all. I am 59 going on 60. Been married for 39 years with 5 kids and 13 grandkids. Was in the USCG, and served on a coastal patrol boat in Vietnam. Have lived here in Utah for 14 years from Calif. Applied for my cfp last thur. Only 27 more days to go (maybe). So there you have it. Have learned alot sofar from you folks, I'll learn more as time goings.