Gary, thanks so much for weighing in. Yes, we're proud that we were able to dig out. We really have a completely different mindset than we did ten years ago as far as wants and needs. I think living below our means is also helping us as we prepare for retirement. I see calculators that default to needing 80% of your pre-retirement income, and I know we can comfortably live on 50% of our current income if need be, if not even less.
We've given some consideration to diversification as we invest, but I haven't done any hard analysis yet of our allocation. Thanks for suggesting it -- now I have a great project for this weekend!