Bob posted:Paul, another thing to consider is your physical ability. Over the last few years, I've spent time helping several guys (who waited until retirement) build their layouts. It was a LOT easier crawling around under my own layout when I was in my late 40's to early 50's than it is crawling around under thiers now that I'm in my late 60's. Other guys I know have had things like arthritis, knee replacements and such put a crimp in their layout building. A large layout is a 10 year project.
Another very important factor often not factored in the long term plan.....until it has arrived.