Right. And the vacations are something you ‘give’ your kids too. You won’t lie on your deathbed and think: “I shouldn’t have taken my kids to Vienna that summer

Right. And the vacations are something you ‘give’ your kids too. You won’t lie on your deathbed and think: “I shouldn’t have taken my kids to Vienna that summer. Should’ve put it all in Vanguard ETFs. Man what a bummer.” If your kids appreciate your money more than your time is when you know you screwed up.