Anthony, thank you for this thoughtful advice - I know Lawrence MacDonald by the way, and his book Am I Too Old To Save the Planet has helped me make some important changes in planning for my future - in particular, where and how I bank and invest. It makes no sense to plan for a future if part of my portfolio is in oil and gas - or if I am banking with the big banks that finance fossil fuel exploration and development. So, that’s a baseline for me. Lawrence’s book has a wealth of information on this subject.