It's a little after 2300, Eastern time, and I'm sitting in Shelby's main level, while she's mossied off to bed, upstairs. My sweet grand-daughter is worn out, I can't even get a poker game out of her.

This has been a great Christmas Eve day down in Western Florida. The life style here is so different than Lawrenceburg, TN.

The energy is much higher, the people are prettier, and I can't belive they're paying thousands of dollars for a monthly roof over their head.

I told our Columbian hot tub friends about my now raised rent of $525, and they were stunned by how low it was.

Florida is amazing, but everything is insanely expensive. An old retired guy like me, on a fixed income, couldn't make it here, without a lot of compromises.

So, I have accepted Tennessee as my home, where I can live within the means of my fixed income. But the culture and the energy down here are something else. It's Florida baby!

It's now Xmas morning and here's Shelby giving Zinny her gift.