DISCLAIMER: Although I agree with Gary's statement above, I must say that I give a pass to our forum friends for whom English is not their primary or 'first' language. As one of the (very large) majority of monolingual Americans, I commend those people for having mastered the language to the point of being able to post coherently, especially on subjects as complex as music. Those of us that were born, raised, and educated here have few excuses other than laziness. Would it really hurt you to use a punctiation mark once in awhile (or proofread it before you post it). It would certainly make your posts less 'cringeworthy' (is that a word ).

On the other matter, ignoring financial responsibility in the pursuit of 'now' pleasure, will most assuredly yield the lifestyle you DESERVE in your retirement years. Sadly, your spouse/loved one probably DOESN'T deserve it. JMO.

chas