Put aside enough for your kids college education. Put aside a year’s living expenses. Donate a small sum to charity. Do you really have much left after that?

Put aside enough for your kids college education. Put aside a year’s living expenses. Donate a small sum to charity. Do you really have much left after that? Kids are expensive. Unless you are ready to stop working I wouldn’t retire - enjoy some time off and do what you love now that you have options. Thank the lord for your blessings.