bptoo,
Don't feel like a failure, things are just not like they were when your grandfather was around (financially) so please do not feel so bad. There was a time when I too, "HAD" too work, by some mysterious thing, financially I haven't for awhile, I mean I could if I kept higher standards, etc. but we are comfortable (thank God) but we also saw some pretty hard times in the past, so sometimes I am leerie, of how good things have come to be (twilight zone). Going back to "the note", it's a "good thing".
Take care,
"darkeyes"