On Sat, 10 Mar 2007 23:04:04 -0500, mm
wrote:

Thanks for the insight, BetsyB. Situations like what you describe is
exactly what I am trying to prepare for. I may have the money now for
a taller toilet, but I probably won't have the money after I retire
and go on a fixed income (in a couple of decades).

How does that work? If you don't spend it now, won't you have it
later?

It's really not that complicated. My income right now is higher than
it will be when I am retired.

Luke