Thank you for posting all of these. I am well off by most standards, and though I've made quite a few good decisions, there is no doubt that luck played, by fa

Thank you for posting all of these. I am well off by most standards, and though I've made quite a few good decisions, there is no doubt that luck played, by far, the biggest part. The one positive thing I have to say to you is this: I hear you, and quite a few others hear you too, though we may well be a minority. We know that the foolish, smug attitudes displayed by many are largely attributes of genetic and environmental history. The only advise I can give you is straightforward: life will always be surprising, often in bad, but sometimes in good ways. It's virtually impossible to know what's coming up. So hang in there, if only to play the entire game that is, though unknown, before you.