> Now, i just have to ensure my costs are down so i can weather any salary hits. That’s the key. I have always lived extremely humbly, and haven’t carried any

> Now, i just have to ensure my costs are down so i can weather any salary hits. That’s the key. I have always lived extremely humbly, and haven’t carried any personal debt, beyond a mortgage on a very small house, since 1995. I maxed out my savings, and deferred stuff I couldn’t afford. I’m still doing that now, and my savings generate more than I spend (for now). I’m hoping to have the ability to help my family, after I pass. They'll need as much help as possible.