Hi Dave ,
Without derailing the thread too far, retirement always seems to be a year or two off.
How much income is enough in retirement? How much savings is enough?
My wife is big on the idea of budgeting; me not so much...... of course I get the concept, it is logical, but it sounds so confining.
Plus I know if I do not build a dedicated workshop before retirement I will be jammed into the current too-small, two car garage forever!
Brian