Not sure my advice is always wise LOL but thanks and yes, there is a time to get advice and then there is a time to just take time to figure out what we want and is best for our current life situation.

Sort of related but not totally--when I used to do call center sales, one of the things we learned is that we were more likely to "sell" if we offered some choice but did not give too many choices. Too many choices (and perhaps too much advice ) can actually make us less likely to make a decision. Hope this isn't TMI. I am having one of those days where I might be overposting too!