That's what Ron said and that is what his job is so my guess is that he is at least partly right. Sure your house and car may be payed for but you are not making any income, unless you are investing the nest egg, so everything is coming out of that. You got food, trips, kiddies, grand kiddies, latests video game system and games, etc... all sucking money out of you each and every year. I believe a million is for a comfortable retirement. Anyhoo, Matt if you want to start getting excited about the world cup have a look for football manager 2005 for pc, it is a soccer managing game and it has a ton of shit in it and is pretty fun.

darcy