Fred,

As a fellow baby-boomer whose husband is a bit in front of the demographic (he was born during the war), I concur about the delicate dance of having fun while we are still capable of it, versus being prudent about the future. We are working through planning this year, with our financial advisor, and every year, we say to him, "should we do this trip to, [tahiti|greece|etc.]?", and he says, "sure, why not?"

We also have a beautiful summer cottage here as well, and I yearn to spend more time there, and put time into maintaining it. The working, and making money, really cut into vacation time! We may forego the "big trip" next year (we'll see how it goes--there's one beckoning right now), and if so, perhaps just do a warm week in February--unfortunately RSSC nor Silverseas has the right week for us, so we might just end up in Cuba or somewhere like that.