Christmas has come and gone. The new year is here. Hard to believe I've lived 58+ years. Been married nearly 40 years. Have kids in their thirty's and two teenaged grandchildren and five more younger ones. Where has time gone, and why did I waste so much of it?

What would I have done different. There are lots of things I wish for now (like wealth, or at least to be a little more confortable when planning for retirement). BUT the things I would of had to do to make more money, would go against my principals that kept me doing what I have done.

shoulda, woulda, coulda....