I could retire tomorrow. I won’t. Being unemployed doesn’t make me happy. I don’t think it makes many people happy and healthy, honestly. I have a job I like with flexible hours and I’m modeling a good work ethic for my kids. I drive a beater and spend my money carefully (again, more good role modeling for my kids) and I really only splurge on vacations a few times a year.

This is the reward for my partner and I working long hours and pinching pennies for years without hitting any major speed bumps - a low stress life. I’m doing everything in my power to instill the same work ethic and money management skills to my kids so they can do the same.