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Thanks to all - I am so grateful to have the collected wisdom of the members of this forum. I cannot reply to each poster individually, but here are some highlights and take-home messages: I cannot buy my way out of this mess Experience is what counts. Possessions are merely a means to that end...

That is sensible. I was thinking of a cheap rental apartment to supplement the FWC, but I see what you mean, a less expensive setup would make more sense.

Words of wisdom and restraint are what I am looking for, friend. I appreciate it.

Greetings, I am looking for advice from my fellow wanderers. After years of underemployment and poverty, I enrolled in med school at age 30 and started making a good salary around age 40. It was hard work, friends. It still is. Now I am 48, trying to sell a too-big house on which I will take a...