The advice is relating to his comfort level. I believe the OP said "keep the advice comming to prevent me from killing myself". Even if they ask "what would 'you' do". Rarely what I would do and what the person asking should do are the same. It's like this: "What would you do"? " blah blah blah"...." Oh great...I'll give it a try"!. .."Easy tiger, I said that's what I would do". "OK then what should I do"? "Open the wallet"!