Join the Air National Guard in your state. After your training is done then you could find another full-time or part-time job to supplement UPS. You would basically have 3 jobs. That was me for quite a while. By the time you go full time at UPS you will have some rank in the Air National Guard. Then put as much money in your 401k as you can. Years from now when you retire from UPS, and eventually the Air National Guard, you will end up with two pensions and a 401k. And Social Security, if it still exists then, would be a bonus.