My wife thinks I am crazy, but I tell her I am optimistic about turning 40, even though that is 6 years away for us. I picture my life in my 40's and envision our debts going down drastically, our savings increasing, our kids getting more independent, and me working less and slowing down to enjoy life more. Of course this will all take place only if God allows it.

Good luck to you. 40 will be awesome.