thanks guys

sirquack - i have tried that before. but if you ever seen me, i don't look the type you;d trust for that kind of stuff and i flopped royally. i may give it a second shot.

I'm not married, have no kids, don't own any property and don't have a car nor a drivers license - and i'm only 24 so none of these will likely enter my life anytime soon.

i'm also canadian, we don't have 401k here, but there's something similar.