Are you a clone of me, rick? I seem to be the exact person that you described, though a bit older than you since I am long retired. My trade tickets were welding, diesel, and steam. And you? I finished my career as one of those infamous 'consultants'. Big, big money, though.

From reading your comments over the years here at G&M it is obvious that you are much more financially literate than I am. Without a doubt you will have a good retirement income plan sketched out for your future. 

By way of advice I will tell you the retirement planning mistakes that I made during my working years....just two big ones, really. First was not buying a home for myself until I was 45. Second was concentrating all my savings in RRSP. I did (and am still doing) very well with the equity investments I chose for my RRSP but I am paying a horrific tax bill every year as I withdraw money from that RRSP. If I had built savings outside the RRSP I would have much more tax flexibility than I do now.

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