Moving through the season's of life. In 2012 turn 54. I am now working for a internet cloud software service provider. Purchased first mutual fund in 1982, purchased first stock (Storage Tek) in 1981. Ecclessiates 11:2 extolls our investment philosophy, "Give portions to seven, yes to eight, for you do not know what disaster may come upon the land." My wife and I use the following methodology from Proverbs 13:11, "Dishonest money dwindles away, but he who gathers money little by little makes it grow." A word picture describing "Gunning for Growth" vs. Dividend Growth Investments. As we approach retirement, we no longer like the "use 4% of assets per year for living expenses" retirement strategy. We now expect to easily live into our 90s, something I never really considered while in my 30s and 40s. Our plan is to fund retirement completely through dividends. In our IRAs we will have dividends fund the RMD. Almost 90% of our investment dollars go to income producing stocks, the other 10% go toward growth. I invest in stocks that increase dividends to fending off the inevitable effects of inflation. For me, SA is an ever-filling pool of knowledge and I am a sponge.