My being able to enjoy coffee at all hours without any particular side effects is nothing new... I've had that experience since I started drinking coffee.

Holy cow bro! Every time I read a post of yours, I keep discovering new traits and similarities between we both. LoL

The irony is that we don't have a mortgage payment because we "own" the house outright... a choice we made when we purchased the house. And yet? We have something akin to a "rent payment" of nearly $600 a month to live in a house we ostensibly OWN.

Yeah, seems like nowadays there is no chance to breathe for the paupers and lifetime hard workers. I believe that it somehow has always been like that, but these days even more so.

Thank goodness that today I am too old and I've already distributed everything I had of material value liable to pay taxes so that the taxes must be paid by others. :)