Amen, Buzz. My point was not that I am "entitled" to a retirement or want a do over (well maybe a little). My point was that one doesn't have to end up working 45 yrs just to get by. I have sibs that are comfy and some that will die broke with only SSI to live on. I wish I was in the former, don't you? Now that I care for my parents age 90 and 93, I see how much they have in the bank and how much they need to live on, and I don't have nearly that much. My dad did ok starting a small tool and die business at age 44 but still, he had to work till 65 to amass enough to have some play money. Fortunately their health is ok relatively speaking, so they had time to enjoy some of it. There is nothing dishonorable about working to provide for your family. But, when it becomes what ONE has to do every day out of necessity, then it takes away from the family. My post was meant to be a warning to choose a good paying career. You can't live your life backwards either. I have a BIL that partied and spent money all his young years. He's now 62, has a mortgage, part time job, no real skill, and not one extra penny. He will literally work until he dies.
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