Tomorrow's Dad's 70th,  and in thinking about this,  I'm usually struck with the realization that I feel entirely inadequate at this stage in my life to where I pereceived Dad to be at the same age I am now.  Example: the other day (on my 46 th birthday on May22) he mentioned to me that in 1978,  when he was 46,  he was helping me move in to my Semionary dormroom.   No way!  My son is now 13,  and I am constantly agonizing over how little we have saved toward college,  and how selfish I've been for every extravagance I've indulged in since the day he was born.  And then I keep looking to the future and how I am going to turn this around and get somewhere that will enable to me to save more,  and put away more,  and invest more,  and in general,  be a richer person,  or at least get to the level of comfort I experienced as a college student with parents who could (and did) foot the bill for everything.