I am hitting 45 this year. I am a PM for a moderate sized steel fabricator in Clackamas OR. I can't stress enough the tidbits from Umpqua Hunter. My wife and I of 24 years(I think) had a lot of fun and no kids for the 5 years, and continued spending freely for the next 15. I made lots of OT money and didn't heed the warnings of my Gramma(and others) to "do something with it". I will likely work until I can't. We say it is because we love the work, but let's be honest and say it is because we have to.