Unless me or my loved one’s do something completely stupid and G-D willing that won’t be the case my returns should continue to grow in the upcoming years with sunshine in the forecast. For next year my biggest expenses college and mortgage payments should becoming to an end. Of course graduate school is still a possibility and the markets G-D forbid could collapse but even in that situation I’m diversified enough to hold up some growth. Health is also a concern for you never know what the next day will bring and what will truly be covered but that number I’ll have to leave in G-D’s hands which I pray will protect longer then my insurance runs out. Therefore this next part of my life will be geared to making sure I’m investing in the things that make me and my loved one’s happy as well as successful. The list of loved one’s can also expand to good friends that have shown they truly care in actions not just words. Which means it is best to be on my good side and never try to screw me even if it costs you a pennies in the near term it could results in dollars of success in the future.