Hi DocFred,
Good to read you again!

If I was still earning income, I'd sock that extra 5Gs away...I'm even thinking of rolling my 101K into a Roth,
pay the taxes and hope I live long even to get that fund caught up; it would be tax free then, to me or heirs.

I'm not going to miss lunch, but it is disconcerting to see a third plus of the old port. just erode away.

NEway, our best wishes to you and your Fam...I enjoy your emails and hope to read you more frequently,
here or there.
Best Regards, mD