FYI - The OP had a duplicate thread going. I moved the 2 responses (NYBoglehead and Grt2Outdoors) into here and removed the duplicate.
Admiral - We allow members to edit their own posts. I suggest you take the info from your first thread (The Cali 40YO Single Guy Strategy
) and put it in Post #1 here. Just use the Edit button in the top right corner of every post.
To some, the glass is half full. To others, the glass is half empty. To an engineer, it's twice the size it needs to be.