I'm at 20% because I want to live well in retirement without counting on SSI. I'm still investing in a pretty aggressive posture (<30% in gov bonds) for the few short years I have left until I have met my retirement objectives. I just hope the economy continues to expand just a few more years before I shift over to the opposite profile & retire. If it goes south before then, I guess I'll have to work until later than I had wanted.

Children, it comes from having had a hell of a good time as a grasshopper until my late '30's when I realized I had nothing more than a paycheck and a mortgage and 3 kids. I wish I'd been as wise in my 20's as Hatt appears to be.

Oh well, I can't say it wasn't fun!

B