Ha ha ha! I know how that can happen Mudward!

If I stick to my plan, we'll be totally debt-free by the end of next year. I could be there tomorrow, but I like having a cushion in the bank for emergencies. That'll be my next celebration if I live another year and a half. I've always contributed the maximum allowable into an IRA for Lynn, plus she has a 401K at work, so that'll be a nice little chunk to tap into. Problem is, I'm thinking she's planning on waiting until I die before she retires ... then it'll be party time for her!