If you have the stamina and drive to continue building your fortune it doesn't matter what your driver's license says, you are young enough to go for it. If you haven't the slightest inclination to rebuild your financial life, should you make a mistake with your venture or luck turns against you, again your driver's license doesn't count -- you are too old for the risk. I believe The Mills Brothers had a song with a line, "I know a man who was old at 33, don't let it happen to you and don't let it happen to me". Risk is only one test and not the big one; desire is really what keeps us young.

Just because you are young doesn't mean you should go ahead and destroy what you have built without accomplishing what you have set out for. You need to develop a plan (see my column on 8/05), set up reserves (see column 7/19), do exhaustive research and continue to monitor your progress with the acumen to make the proper changes.

I took the scenic route to the end result: There isn't a wrong answer, nor a right answer to the question, just your answer. I am on the fence. I am too young in my mind to stop my real estate ventures, but am cognizant that starting over would interfere with my golf and that's not going to happen. Where are you?