Chas, you are right on when you are concerned about giving kids too much. When my dear father-in-law, a nationally known psychiatrist and educator, was diagnosed with Alzheimer's, I found him crying uncontrollably. He asked e to take care of his business affairs, because he said he messed up. He said his kids (including my Annie) were so spoiled they couldn't even support or otherwise take care of themselves,never mind meet his needs.

He was right.

I have many friends who are from "well heeled" backgrounds, blew it all and now are bitter at how unfair life is.

One played Drums with Cosy Cole Trio; returned home and proceeded to go thru several fortunes with restaurant operations...one of the fastest ways I know of going thru lots of cash in a hurry.

Best you can do is take your best shot and cross your fingers.

From what I see, you certainly don't have anything to worry about.

That's why I'm trying to get you to adopt me.

Russ (your needy son)Lay