"Great post, Paul. Those are three terrific questions to ask in evaluating decisions. I am working on a similar list myself. So many of us forge ahead without these considerations. Some of them make out okay, and some are thinned out of the herd. :) Consideration of loved ones--there's something high on the list. Honoring those you might have an impact on would help. Lord willing you're with the people who would stand behind your decisions (after a reasonable proposal). I remember the whole lottery discussion in statistics class, yes quite an expected value there--but you've got to be in it to win it. Of course, no guarantees. Be adventurous, be sensible, and above all, be real. If you really want to." - Rob Schieber