Dad explained compound interest to me when I was 5, and I got it. Stock investing for me started before I could vote (thanks job as a caddy!) and I've been dooking money into equity ever since. One observation-after the first 1mil it really does get way easier. The only problem is that 20% more than I have is what I'll really need to retire and not worry about the cash. The apple fell straight down on this one-Dad gets nervous about spending the principle too. PS for Okie: my first road bike was an oil in frame Bonnie. Yours is a bit sharper than mine was.