You're so right Joe (RetiredRR), the truth for sure. I paid my dues big time. I never want to ride the ranch on horseback and deal with barbed wire fences ever again, let alone roughneck on drilling rigs in West Texas. I am debt free because the price I paid and I believe I earned it. I can care less about those who want to impress others about what they have - or make payments on. The way I roll.