The sun is shining outside, my heart is beating, the air conditioning is keeping me cool in a hot day in the middle of September. I open our refrigerator and there is food. As a matter of fact, more food than what we need. I’m rich. No, my 401K portfolio is not nearly close to what it needs to be for retirement; my children’s college savings plan looks pretty skimpy at the moment. We don't drive the latest model car and we have spent many vacation days around our hometown. Still, believe me, we Continue Reading