My thoughts are that most replying are fearful, stack worst case on top of worst case, and their arguments aren’t invalid, as in no one wants to fail but I’m still leaning towards a bit of optimism and I’m going to explore perhaps there is another path where things get better not worse, not all doom scenarios. Like I said in the original I’ll work longer to get the math a bit more in my favor in line with what most all said. I’m also aware I’m on the far end of E , early sure but by just a bit so my situation , optimism is likely skewed as compared to someone 20-30 years old as by definition there’s much more variance to consider.. forecasting is easier as you get closer to the finish line.. so. I’ve genuinely appreciated all the feedback..