Yes, necron, I agree, I was going to say that too. I work with a lot of guys that simply have no plan whatsoever, retirement, sudden death, funeral, sickness, short or prolonged, savings, mortgage, car payment, nothing. When I turned 40 and had maybe 10 years to go before I retired, I wanted to make sure my wife did not have to work to survive or live in our house, so I took out a life insurance policy for 20 years. Our plan to life started the day we married and secondly the day I was hired. Getting back to what necron said, to not do that, have a plan, would be irresponsible in my opinion, children or no children.