The last few posts on this thread made me think about paying it forward another way. I've always been pretty independent. If I couldn't do it, I could afford to pay someone or find a friend of a friend to do it for me. I prided myself on my ability to take care of myself and my daughter. Now that I'm 69 (how did that happen?) with all the limits aging causes, I'm finding myself accepting help a lot more. As much as I'd rather continue to be independent, I can't. BUT everytime someone helps me out, I'm helping them pay it forward. That's a huge gift for me to give them.