As was said earlier life happens and you make choices. I went to college. Planned on being a vet; another girl in my dorm was in her second year of vet school. She told me she was $250,000 in debt (vet school is a 3 year program). I didn't like the idea of that, so I finished school with a B. S. in biology while part-time at UPS. The vet on my route retired last year in her 60s. I am eligible to retire now and I am only 54. Healthy 401K, a little UPS stock, IRA, etc. I think for me it has worked out okay; never had to pay off student loans. Wonder, though, if I would have preferred being my own boss. Sorry for the long post; I got the day off today.