[Dennis Kalma]

Done the declining balance thing, yes, if everything goes for crap then life would be tough, but one can also vary the amount of spending. No debt, all the toys you want, modest life style.....if things go well on the market, you take better vacations. If it does worse, then a back yard vacation is in order.

Other aspect is we are giving both of our kids one car, one degree and one suitcase (when they graduate). They leave the house with no debt, a vehicle to drive and an education (both are becoming engineers), so there is a balance to the save save save mantra..they can also support us in the style to which we want to become accustomed...

Just joking about that last part...

Dennis