Two things

1. The exact difference between Josh and I:
The other day Josh and I were watching a movie I keep getting from netflix, called "Elling." It is probably one of my favorites. As is fairly normal, we start watching something around 10pm and stop half way thru, because Josh needs to go to bed.
A few days later, Sunday morning, I asked if he wanted to finish watching it. I wanted to send it back on monday, I said, "What's the point of netflix if you don't watch as many movies as possible during a month?"
Josh said: "That's the reason I like netflix, because I can keep a movie as long as I want."
And that is the exact difference between Josh and I. So far I think his record is keeping a movie for the entire summer, then finally sending it back, never having watched it.

2. Investing for retirement:
This evening Josh crossed off one of the things his mother had been asking him to do for a long time: He filled out the necessary on-line forms to start up his 401k.
My favorite part was when he repeatedly called me into his room to ask me how much of his paycheck he should allot for his 401k, what percentage he should invest in stocks or bonds, how to divide it between these yet-to-be-chosen stocks and bonds. Things like that.
I wouldn't even ask myself those questions.