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That was the reply when I told friends/colleagues that I was pulling myself out of the game (retiring at age 43). No, I didn't have Microsoft options in my back pocket. I just lived below my means and invested the rest Luckily, it was during this past bull market and things went OK.

The next question by f/c was: How in the heck can you do that? Short answer. "No kids."

Then the eyebrows went up and as they settled back down,
there was one of two reaction: 1. That makes a lot of sense or 2. Why didn't I think of that!!!

To which I replied: It is all in the planning.

My question to other posters: Did any of you plan on retiring early when you were 25 or 30? If so, did you contemplate the option of no kids? After talking to f/c, some said that if they could re-do their last 20 years, the kids would not have occurred. Others say,
predictably, "Oh, but they are worth it!". Having never had any, it sure seems that life is better without them. I got cats instead, which I spoil rotten.
The bottom line: Are kids worth 20 years of extra work?
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