Tink, I understand! you do what you have to do. Glad your finds help pay for your vacations. I had an old hunting partner who used the clad he found to buy US savings bonds for his grandchildren. I am with you about holding out as long as you can before collecting SS. Many people have tried to convince me that it is a mistake to hold off doing so because they say it is next to impossible to make up the money you lose by not collecting at 62. I turned 66 this yr. and know that by not tapping into SS it will increase by 7% or 8% ( till age 70 ) for each yr. I don't touch it. I would much rather have the increased payment at a later date when it could mean a whole lot more to me than collecting today and maybe pissing the money away on stuff. Also if I were to croak my wife would get a bigger amount by claiming my SS payments.