Do you not just hate it when you are in the middle of an interesting conversation and someone changes the subject to something less known? I sure do. Like when I was visiting with my friends the other day, one of them started talking about a 401k rollover. I was red with embarrassment because they asked for my opinion and I didn’t have one. Of course that is when they felt the need to educate me about the retirement plan. I of course felt like leaving then and there, with no intention to return. Who talk about retirement plans at a social gathering anyway?