Nope, not complaining - just speaking the truth. I'm still younger than most and hoping that there will be some social security left for me when I get there! As far as the 401K, I am lucky - I never had enough spare change over the years to throw it away on having a separate 401K or the stock market. My retirement is military - so I am living off of YOUR tax dollars for the rest of my life (thought I would rub that in). Yes, wife has informed me that IF (and I don't know why she used the word " if " )... IF I want to keep buying guns, I need to find a job... let's see.... CMPicon SG Underwood carbines @ $565 plus shipping times 12 a year... couple of garands.... ammo... shock refinishing supplies... few trades... budget 6 gun shows a year... trip to Camp Perry... write the eight and carry the three....hmmmm, anyone know where I can get a job for about $218,000 a year to support my addiction????