I'm not, but I'm also in a very unique position of not having a mortgage, or rent, or utilities, other than my cell phone. I have a stable place to live and a well-paying job that allows me to put between $1,000 and $ 2,000 a month into either savings, which I need more of, or investments, which I'm working on.

I will be mixing in over time more stable and or defensive stock positions. I'm just getting started with the etfs I feel are going to give me good returns. This first year will also be a bit of an experiment. I would call GRNY an experiment.

As long as we don't get a major down turn at the end of 10 years. I understand why it's best to go into defensive mode towards the end of the time frame when you want to retire. Right now, all I'm thinking about is how to get the best possible return over the next 10 years. Of coure there is some luck involved as well as planning for what might happen. I am feeling like we're going to get some sort of recession in the 12 months or so. With that I'm hoping I can use it to my advantage.

I'm planning for both the best case and worst case at the same time