I think some on this thread are confusing offereing advise (by example) as "gloating", or "I got mine, now shut up".
That is not the case. I doubt if "Harry" is reading this thread, and if he is, there is little advise we could provide him.
However, there are many potential "Harry" reading, some in their 20s, 30s and 40s who may not have thought about what will happen as they get older.
There is some good advise on this thread form them, if they will take it.
Exactly. Thank you.