Thanks I should not be so fiesty either. What I am doing is legit. I am not going to read the fine print to understand the time frame they want me to average my income, but if I do it for a few years it is no problem. I am a “consumer”, too stupid to understand loan documents anyway. This way I have the lifestyle I want.It is a loop hole in a worst case scenario. Why should the ultra rich have all fun while they run us into the ground…if we are not smart? I just want to be sure I have something constructive to do and hopefully a retirement source that some pension fund manager can’t give away that I can pass on to my kids, charity or both.