Thank you. I was aware of the concept but had never seen that acronym before. When I was a tragically optimistic 22 year old in the 80's my plan was to be reti

Thank you. I was aware of the concept but had never seen that acronym before. When I was a tragically optimistic 22 year old in the 80's my plan was to be retired by 55, but that boat has long since sailed :)