Hey now, Scarbs has some nice areas (had may be more accurate). All the GTA has changed. I'm inverse of you having lived life too good up to 30 before settling down, having kids. That age seems quaint by how people are today. Now 50 and working as hard as ever, savings are good, and partially supporting (gotta teach them personal responsibility and how to make hard choices) two kids through school. Plan is still Freedom55 (may be before your time). Post retirement plan is garden, drink wine, and work on cars. Yes, I'm that much of a stereotype.