What’s been happening:

What has happened in my life is that I have discovered the great joy and satisfaction of giving a significant amount to Penn State. Nothing like a 7-digit amount but for me $50K is significant since I really haven't accumulated a lot and my ex, deservedly, gets half of my military retirement. Nevertheless, I gave it away and it feels GREAT!! Besides that, PSU gave me an annuity for life as well as important tax benefits. Would that everyone should have such an experience! BTW it's very easy to do because of the very fine folk in the PSU Office of Gift Planning, John