Class of '97, been focusing on paying off debts up until 2 years ago, so although I've had my TDA account for 13 years, I never really did anything with it. Made some money but lost it all. Since OA's seminar though, I'm finally up and have some tools now to keep going up. Learning patience at 45 yrs is harder than one might think, but a couple of recent lessons have me thinking straight now.