Amy Stone does not intend, or hold herself out, to provide professional advice or recommendations of an kind.  She is not a lawyer, accountant, tax advisor, investment or financial adviser, broker, doctor, psychiatrist, psychologist, therapist, social worker, or professional educator. She also does not recommend or endorse any such types of products or services offered by any of the foregoing types of persons or entities, so any discussions about them should be had with that understanding. In the end, you, and you alone, need to make those kinds of decisions based on your personal and individual situation, needs, circumstances and comfort level.