It's never to late to start saving and investing. Perhaps you just start contributing to your 401-Keg plan really, really agressively for a time to catch it up to where it should be. In fact, being the giving kind of person that I am; I will match your efforts on a 1 to 1 basis - at least on the consumption side.
Shadesbreath! I'm so proud of you... such a selfless act on your part is just totally beyond the call of duty... It does the heart really good to see such deep down goodness. Taking you as a ro;e model I think I will go grab a Heineke right now. Cheers
Lol, brilliant! I bought £1000 worth of shares in HBOSS 3 years ago, at one point could have got over £4000 for them, but now there only worth £231, oh well, they'll go back up in a few years, so point in selling them!