I don&#x27;t take offense to your comment regarding paranoia.<p>The question, I think, is this: If you have worked all your life, and played by the rules that existed at the time, how do you protect what you have earned from theft by others?<p>One aspect of the answer, I think, is that you put it out of their reach.<p>There are many other things a person can do. As an aside, whenever someone implies that a set of options is very limited, I try try broaden my focus a bit, in order to see a bigger picture, and thus, additional alternatives.<p>I hope that doesn&#x27;t sound condescending, as it&#x27;s not meant to be.