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Mike
I like to think I'm just ahead of the game!
@t h rive: Your strategy isn't bad although I think you don't always make it explicit enough that that's your aim - and unfortunately Gen Y is still pretty unfocused on long term financial goals (just as Gen X took forever and the Boomers never got it! But as Gen Yers get more focused on finances you'll be in a good position to capitalize on it - you're a lot more focused on topic than I am.