I'm a police officer and work a lot of overtime! Plus no wife and only one kid that's 17. I had a large video game collection that I sold off to buy more pins.

I'll retire after 20 years in law enforcement at 49 years old. I'll get my pension which should clear me $5k a month. We get 70% of our best three years. With that being said I know almost all the guys I work with that have retired with close to 100k pensions and still can't stop working. My pension is one part but the reason I'll not have to work is ill have no debt by design. Cars paid, no mortgage and one kid that will be 24 when I retire and I'm not paying for her college she can pay her own way. Point being its about planning not earning. I make 100k with overtime I'll retire at 49. My gf is a nurse practitioner and makes well over 200k and will still be working. Lives in a 600k house has a new car every three years has two kids that she spoils the hell out of. With her income she should already be retired but when you have everyone and everything taking a bite out of your pie there isn't much left. My advice, nothing will break you overnight quicker then divorce and kids. Chose wisely. I got a vasectomy at 36 I'm 42 now. I couldn't possibly have the things and live the life I do with more kids or a wife that didn't work. No thanks

I agree with you. It also makes no sense to me why parents and kids don't live home after college and pay off there student loans? The majority of people's parents will allow them to live home and pay nothing. Pay off you student loan and then save a few 100K and buy a house cash. No one else is ever going to allow you to live for free ever again in your life. So these kids rush to move out or spend all the money they make on vacations. new cars or clothes. I refuse to pay for my kids education. I don't understand how parents for go retiring or put themselves in financial hardship to pay for there kids college? Anyway it's just my opinion.