Speak up Tarsha! I hear from everyone that New Zealand is the most beautiful place on Earth. My youngest son's inlaws are going on a cruise to NZ in Sept.
They both worked hard for 30 years, saved their money, paid off their home, and now they have a wonderful retirement.
Live hasn't been that smooth for me. But they follow all the rules and they always have.
I Question Authority. I always have. Questioning authority definitely has a financial component that is less than satisfactory.
But I don't care. It is satisfying to question authority. I have been doing it half a century plus.... and I'm just getting started!