Unless you are terribly disciplined from the git-go, and nothing BAD ever happens to you, it can be tough.
I was on track to retire next year, but the ex ran through our retirement funds (without my knowledge) and now I have ten years of Hard Labor ahead of me.
Luckily, I am blessed with a job I love and ‘options,’ but it STILL p*sses me off!
Will on first day eligible for me. Minimal overhead here. Git it befo it be gone