want to retire, If you have had a 31yr career at UPS and you have not been able to contribute to your 401k or start an IRA then shame on you. I was in the same "boat" as you, being the only earner in the family. When my wife and I decided to have kids she quit her job and stayed home to raise them. We new in order to do so we would have to make sacrifices. While my friends bought big homes, nice cars and took exotic vacations, we stayed in our townhouse, drove our cars for 10yrs or more, and had alot of staycations. By doing that in the early years we were able to contribute to the 401k, IRA's and even buy UPS stock weekly. When the kids got older my wife went back to work (part-time) and we were able to pay the house off early and pay for our boy's college tuitions. My friends are envious that I can retire at 54yrs old, but I was enviuos of them when they had the big houses and the shiny new cars!! Life is all about decisions and everyone is different. I think my wife and I made a decision that has turned out pretty good. Good luck to you and it is never to late to start saving for your future. Cheers!