Don't have my masters working on it will have it in another 14 months my wife and I are counting the days. And I work a job that pays my bills and supports my family but now more than ever in this country every citizen knows there replaceable. If a company can find a younger person that they can pay less of a wage and are not building up more retirement benefit cost than as shown everyday your gone and replaced they dont give a dam about you its the money period. You don't go into to any large companies anymore and see many 50 years olds working or 60 year old workers they have all be shown the door. To make it even worse is there going to raise the retirement age to 70 to get social security so were are these people going to work for 20 years??? I am hoping by getting my masters when they decide its time to downsize me I can go teach at a HS or College to have some kind of security. I might even become fluent in Spanish so I can make myself more versatile here in Texas as a teacher. I mean even with a masters making good money in the corporate world you are not going to be able to have a family and save for retirement as well everyone needs to look at the future and make yourself marketable. I could of stayed in the Marines for another 16 years and retired at 40 with retirement pay but 4 years was enough for me. But there are waiting lines right now to get in the armed services and it is a good deal if you can put in 20 and you will get 2800 a month forever put that with social security one day and that is about 4200 a month. And that 2800 today in 20 years will be at least 3900.