Yesterday the postman delivered my Merrill Lynch retirement account statement… however, like most monthly statements that arrive, I don’t have the heart to open them immediately.

So this morning I girded my loins, sucked it up, and reached for the letter opener.  But I had a decision to make depending on the outcome of my account balance.  Should I brew a pot, or pull a cork?  I would start my day either with a cup of coffee, or a glass of merlot. And I don’t mean a celebratory glass either.

Am I the only one faced with this monthly dilemma?