The advice you have given is very sound. I am working on my own and have decided to get certification in mediation. This comes under investing in yourself. The program is to donate certain hours into the community after gaining your certification. Giving back, or investing your time into the community will add to your well being. As a researcher my income comes from a many different clients. Building a web to sustain you is as important as paying yourself. Thank you for your excellent insight and advice. I will be following your writing.