Sadly Giving Up On Retirement And Going Back To Work

After doing a deep dive on the different ways to pay for college and how to get good financial aid, I realized the best thing for my family is for me to go back to work. Coming up with $1,500,000 for two kids' college experience in 12-15 years is daunting.

Going back to work feels like giving up since I helped kickstart the FIRE movement in 2009. But the reality is, times are always changing.

Sitting idly on my hands, hoping my investments will miraculously cover such an expensive nut in the future feels uncomfortable. I want to take action while I still can!

When I retired in 2012, my wife and I had planned to live a simple life on Oahu with less than $100,000 a year. We would help take care of my grandfather's fruit farm, sell some mangos and papayas to the local supermarkets, and feed ourselves with what was left over.

After trying for so long, we thought kids would not be in our destiny. But our son was finally born in 2017 and then our daughter in 2019. Suddenly, our whole world had changed and so had our expenses.

Going Back To Work Isn't A Total Failure

In 2017, I made a promise that I would be a stay-at-home-dad for five years. After five years, my son would be able to go to kindergarten full-time.

I fulfilled my promise plus an additional year because of our daughter. I wanted to give her the same amount of time as I had given my son.

But after being a stay-at-home dad to my daughter for three-and-a-half years, I decided I couldn't stay any longer. Daddy had to go back to work because of the 2022 bear market.

A ~20% decline in the S&P 500 hit our net worth by ~7% in 2022. Both my kids' 529 plans also got hit almost equally as bad because bonds performed terribly in 2022 as well. The funds are in index target date funds.

Real estate has been a relative bright spot with all our rental properties fully occupied for years. My investments in private real estate across the heartland have also performed well during the pandemic, especially in 2021.

However, the Fed needs to pivot by the end of the year to prevent a 10%+ nationwide decline in real estate prices. And I'm not sure the Fed really cares given it hiked rates by another 0.25% after the bank runs.

Going back to work will replenish the bank account and provide a buffer for a potential decline in passive income. If a recession returns, then everything from dividend payout ratios to occupancy rates will be at risk.

Going Back To Work Is A Compromise

I do feel guilty about not spending as much time with my daughter as I did with my son. However, she still received a lot of love for the three years before she started preschool.

We started her off going two days a week at the beginning of 2023. Come summer, she will be attending three days a week. And if she really loves school, we'll bump attendance to five days a week at year-end. Learning how to socialize with other little ones and learning Mandarin is good for her.

With my wife always at home, I am clearly my daughter's second love. I've experienced many hurtful rejections that have made me question the point of being a stay-at-home father for so long.

Going back to work protects my heart, while also optimizing my purpose. I've spoken to many dads on paternity leave who can't help but feel restless after the third month. If they were the breadwinners before, they felt an immense draw to go back to work to earn.

Having two stay-at-home parents is great for the first year of a child's life. There's so much that needs to be done to take proper care of a baby. The second year of life is pretty wonderful given most toddlers will begin walking and playing by then.

However, after the second year, I think it's more efficient for one parent to go back to work. It's better for financial security, peace of mind, and work/life balance.

House Is Getting Small Again

No matter how much you love someone, it can sometimes be hard to be around them 24/7. You might scare the bejeezus out of them when you silently get something in the kitchen. Or maybe you might get annoyed by the mess they leave behind in the living room.

Whatever the case may be, having some separation is healthy for any relationship. There's a reason why best friends sometimes no longer are best friends after a long roadtrip.

I've done my best to get out of the house every day by playing sports. However, my body can no longer play for longer than two hours before my back, heels, hips and right shoulder start hurting! As a result, my outings don't last as long as they have in the past. Further, I usually rest the entire next day, which means staying at home.

My wife enjoys being at home more than I do. She definitely doesn't want to go back to work either. As a result, it is up to me to adapt. I don't mind because I enjoy meeting new people. Luckily, life is more or less back to normal.

Not Buying A Mansion For Relief

Buying a larger house in 2020 gave us three years of extra comfort so far. However, as our kids grow bigger and accumulate more stuff, our house seems to grow smaller.

I strongly considered buying an even larger house. However, my wife doesn't want to move. Further, I'm hesitant to concentrate even more of our wealth on San Francisco real estate. Our total annual property tax bill is already too high for comfort.

Instead, I want to continue diversifying more into heartland real estate. Working from home and the spreading out of America to lower-cost areas are here to stay. Check out Fundrise if you're interested in investing in this long-term trend as well.

Going back to work now that both our children are in school gives us space.

Work Seems Easier Today

Early retirement is becoming obsolete thanks to the pandemic. The amount of flexibility people have at work today is incredible compared to the past.

If I had the freedom some workers have today, I would have worked for at least five more years. Back then, I had to sneak away to take a 15-minute nap in my car! Today, you can play pickleball for 1.5 hours during the weekday and then take a half-an-hour nap after if you want.

As an efficient person, I'm sure I can get eight hours of work done in four hours or less. So long as I'm not encumbered with meetings, I have no doubt work will be more manageable.

I'm also pleased that companies seem to be less focused on face time and more focused on production. So long as you get your work done, that's mostly what matters.

Hard To Pay The Bills As A Writer

They say “follow your passion and the money will come.” Good luck with that occupation strategy! Instead, it's better to do something that pays and then pursue your passion on the side.

Despite writing Buy This, Not That, a WSJ bestseller, I still have not earned enough from the book to support my family. To do so, I need to be raising my national profile regularly. But I'm disinterested in the spotlight.

Despite having a 60,000-subscriber newsletter, I feel bad moving to a subscription model where I could probably make at least $200,000 a year. The goal of my newsletter is to help anyone and everyone interested in building more wealth while also staying on top of the most important financial topics.

Given the difficulty of being a professional writer, the logical solution is for me to get a day job again. I'll still write, just not as often. Or maybe I’ll leverage AI to write my content for me.

For all you creatives out there, don’t lose hope! I had a really good run for 11 years, but all good things must come to an end. It’s still better to try than never try at all.

More Active Income And Good Benefits

The ideal income composition doesn't consist of 100% passive income. Instead, it's better to have at least 10% of your total income coming from active day job income. This way, you feel like you're doing something productive in society.

One of the biggest negatives of early retirement is feeling lost. Without a day job bringing you purpose, it's easy to fall into despair as you question what is the point of life. The longer you work, the more you will have your identity wrapped up in work.

Giving Up On Retirement And Going Back To Work
Working hard in Istanbul

Having a day job, no matter how mundane, helps provide structure and purpose in our lives. With school teachers now taking care of educating our children, a large part of my purpose as a stay-at-home dad is gone.

I'll certainly continue to provide supplemental education after school and during the weekends. Being the family driver will always be my duty. But I'm now left with a void that needs to be filled.

It'll be nice to earn a steady paycheck and receive subsidized healthcare benefits again. I'm also looking forward to getting a 401(k) match or profit sharing once more.

Even though I’m going back to work, at least I won't have any regrets trying to make it as a professional writer. I don't have regrets leaving banking before making Managing Director because I at least tried for one year.

Trapped By The School Schedule

So long as your children are attending grade school in person, parents are trapped by the school schedule. Therefore, parents might as well make some money as we wait for spring, summer, and winter breaks.

Homeschooling is in the cards given that's what we did from March 2020 to August 2021. Kids learn so much quicker than regular schooling. However, given our children are still young, they won't appreciate their travels just yet.

Going back to work helps kill time as we wait for our children to grow older. When they're both at least eight, we can then slow travel the world.

Having a goal of saving up for years of world travel makes going back to work more meaningful.

My New Job Thanks To A Return To Normalcy

So what will I be doing?

Well, I love basketball so I've decided to apply for a job as the video coordinator for the Golden State Warriors. Although the job only pays $40,000 a year, I get to be around the coaching staff and the players. Fingers crossed!

I feel like I've got good analytical insights to share with the team. Matchups intrigue me and so does the ability to build winning teams. Besides, the NBA needs more Asian diversity!

When I coached high school tennis, we won back-to-back Northern California Sectional championships partially due to lineup strategies. Before then, the school had never won an NCS championship.

There you have it. Starting this October 2023, I hope to be busy working through April or May 2024. The season will be hectic and I may have to do some traveling.

But it'll be fun! Barista FIRE for the win. And at least I'll still get five or six months off a year, depending if we get to the playoffs.

Go Warriors! Welcome back Wigs!

In A Different Life, Perhaps

OK, I was joking about landing a job with the Warriors. I’m still waiting to hear back from them. But everything I've written in this post is true.

I need to find a way to get out of the house more often. For six years, so much of my life has evolved around raising young kids. Now that both are in school, I need a new purpose.

Last year, I was invited to a players and coaches event with the Warriors and it was exhilarating. It felt wonderful to be a part of a team, especially one that has won for so long. I miss the camaraderie.

In the meantime, I've got some other ideas on how to fill the void:

  • Host a book signing event for up to 100 attendees in San Francisco at the Sports Basement at Stonestown Mall. Anybody want to come?
  • Become a pickleball product ambassador or affiliate partner. I met a guy who is one for a pickleball energy drink. Maybe I can use my platform to meet new people, attend events, and play in tournaments.
  • Join an author group and write my next personal finance book.
  • Become a school teacher in Hawaii where I’d like my kids to go. One of the benefits will be a discounted tuition and easier entrance. I’ll also get to see them more often during the day.

So Old And Tired To Work As Hard As Before

Despite some serious upcoming expenses in the future, it's difficult for me to get a regular day job again. I'm too old and too unmotivated to grind as I once did. There needs to be a job that provides better balance and more fun. I'll figure the money out as I always have.

If you are under 45, please don't waste your energy! It will eventually fade. When it does, you had better have a pile of money saved or invested. Otherwise, you may feel trapped in an increasing state of misery.

I hope this post has provided some insights into some of the complexities of life. The more you have (time, children, money, etc), the more decisions you will need to make.

Don't think that just because you reached your target net worth, got that promotion, or finally gave birth to a girl after two boys, you'll be forever happy. You'll be elated for a bit, and then it's back to your steady state of being.

Life takes work! Maybe that's the job we should really be focusing on all along.

Reader Questions And Suggestions

Readers, what are some fun jobs you'd love to take if you had the opportunity? How has your life changed after retirement?

Pick up a copy of Buy This, Not That, my national bestseller. The book helps you make more optimal decisions so you can live a better, more fulfilling life. 

If you're looking to generate more passive income, take a look at Fundrise, my favorite private real estate platform. Fundrise began in 2012 and now manages over $3.5 billion in assets. The firm predominantly invests in Sunbelt residential properties, where valuations are lower and yields are higher.

For more nuanced personal finance content, join 60,000+ others and sign up for the free Financial Samurai newsletter and posts via e-mail. Financial Samurai is one of the largest independently-owned personal finance sites that started in 2009. 

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158 thoughts on “Sadly Giving Up On Retirement And Going Back To Work”

  1. I wish you nothing but the best in this decision and this new chapter, Sam. I hope you are able to reach a point where you can let go and take comfort in knowing everything will work out as it’s meant to, rather than trying to account for every worst case financial scenario. You are a good man. You have set your family and your kids up for a very successful start to their own journeys. Having read your blog for as long as I can remember, I’ve watched you grow in innumerable ways.

    Obviously we each have our own individual journey and perspective. And you are absolutely entitled to yours and at the end of the day, you must make the decisions you feel are best for yourself.

    My only offering here is to make sure you‘re also letting your family, your kids, and even yourself learn that there are times when “enough” is enough. There will always be a perceived need for more and more money. There will always be another worst case scenario that is worse than the last one. Millions of children never even live to see college age.

    I’m not saying going back to work is the wrong decision for you. Only you can know that. Just be careful of what you may be inadvertently conveying to your children along the way.

    1. I appreciate it Mike! Hopefully, my kids will appreciate the 4-5 years I spent staying at home with them before going off to Pre-K 4 and kindergarten.

      What was it like with your kids? Did you also retire early as well and spend the first 4-5 years of their lives as a stay-at-home dad? It’s always good to meet other stay-at-home dads and hear from their perspectives. Hopefully, the worst case scenario you mention didn’t happen.

  2. Yes, homeschool your children. You can meet the state requirements the way you think best. You know them better than any teacher will and can adjust to their learning style. You are in charge of their socialization. My wife homeschooled our three — two are college professors and one is an attorney and all are debt free except for their houses. She/we have no regrets and neither do they.

  3. Why not write articles for fortune as your next gig? You can publish articles without talking to the subject or even reading through their full post. Seems like you’ve gotten a ton of attention, so can’t wait to hear what’s in store for next year

    1. It’s a possibility, but another solitary job. I’d rather be in the mix and interacting with people in real life.

      I’d rather get a job that is totally different from my writing in the comfort of my own home. Getting out of the house is the goal.

  4. “Coming up with $1,500,000 for two kids’ college experience in 12-15 years is daunting.”

    One thing I’ll never understand is the feeling that you need to pay for you kids’ college in the US; why would anyone put this kind of pressure on themselves is truly mind boggling.

    I grew up in a lower middle-class family in the UK and moved to the US in 98. I immediately saw that college was expensive and inferior in quality of education. So, I moved back to the UK alone, separated from my family and took out student loans to pay for my entire college degree and living expenses. During college I worked a part time job to help with expenses, lived frugally and made sacrifices when I graduated to pay down my loans quickly and move on with my life.

    As other comments have highlighted in this thread, paying for your kids’ college does not help them, they become entitled, don’t learn the value of money and screw around instead of focusing. This sounds more like an issue with your need for purpose and “feeling useful” than anything else.

    To be honest I’m a bit confused with your overall messaging on this blog and through the book. One minute you’re preaching financial freedom and the next going back to a job just to pay for lifestyle inflation/college tuition :/

    1. Do you think the low cost of college in the UK when you went compared to the high cost of college today and 15 years in the future has something to do with the differing views? It’s a 35-40-year spread.

      I hope my kids will be smart enough to get scholarships and work minimum wage jobs like I did. If they do, I’ll have $750,000 leftover for each 15 years from now to spend at will. But if they are not smart or financially savvy enough, there is a backup. I’m not going to work a miserable job. I plan to do something fun and new.

      What did you do after college and how are you doing in your career and financially now? Getting this back on would be helpful. Also, how do you plan to pay for college for your children? Thx

  5. William Mapouka

    Hubby and I are both tenured professors, which is theoretically one of the most secure professional situations one can have. However in reality nothing is 100% secure, because right-wing politicians are doing their best to dismantle public universities. So our goal is to secure our “financial freedom” so that we can continue working without spending even one millisecond worrying about what nefarious plan our Republican state legislature is going to cook up next. For us our target number is US$2 million, which we are hoping to reach by Jan 1, 2026.

    We make around $250K a year and save 60% of it. Once we have that $2M in secure, guaranteed investments (I’m loving the current high interest environment for that reason!) we can rest easy knowing we will likely be OK. The plan is for hubby to retire in 2028 at age 60 (since his role is way more physically demanding than mine), following which he can be on my insurance plan until he reaches Medicare eligibility.

    I want to work till I turn 62 in 2035, when he will be 69. We then want to move to a small historic town Portugal (hubby is an EU citizen so we can move there legally) where the cost of living is 1/7th that of the US. We both plan to claim SS at 62, so we can get back some of the money the government took from us while there are still some pennies in the SS pot.

    1. Hope you’re able to move to Portugal even sooner than 2035, William! We’ll be glad to be rid of you here in the US!

  6. Why not just sell your blog and/or move to a cheaper location? As a father of 4 teenagers, life will only get busier.

    1. Hard to sell your baby. I’d like to use this site as a way to teach my kids about writing, speaking, storytelling, interacting, marketing, and business. Practical knowledge on how to make money in the real world is valuable.

      We may relocate to Honolulu, which is about 20% cheaper due to lower cost of housing.

  7. I am a long time follower of your blog and on my own journey – half way to FIRE!

    I don’t fully understand the reasoning to return to work. My understanding is that you forecast passive income already of $380k for 2023. Why give up all that time and go back to work for $40k per year.

    Surely you can find a way to boost your passive income by $40k per year? Is relocating also not a better option – I know you have been considering this long term anyhow.

    1. Nice to hear from you Michael. Money is only one component of going back to work, but a big one, especially if I can get subsidized, Healthcare and Retirement matching.

      After three years of the pandemic, and six years of being a stay at home dad, I long for the purpose, excitement, and camaraderie of work.

      And if I can work in a new industry that I love, such as the NBA, I think it would provide, for a lot of fulfilling challenges and new experiences.

      What would your dream job be if a big focus wasn’t on the money?

      Another thing to understand is that the more you have, the more you lose during a bear market. And with interest rates coming down, passive income could come down as well.

      1. Thanks so much for replying Sam. Actually been thinking a lot about this since I read it – you have had me thinking!

        I actually thought since posting my comment that perhaps this was a late April Fool’s article, I just wasn’t certain.

        If work is what you crave, then go and do it for sure. I have been working hard over the last 18 months growing our FIRE nest-egg, but after buying two investment properties in 2022, we have now made the decision for me to start working towards semi-retirement – working part time on work I enjoy.

        You have mentioned in the past that Barista FIRE is likely the best version – and certainly anything around the “Semi FI” movement seems to be a great balance. Your story certainly highlights this.

        I personally think you will struggle returning to work. Being told what to do is never fun! I struggle with this myself on a daily basis. Could remaining self-employed be better than taking a job? Could you get the camaraderie from volunteering your time? I have done some neat stuff with volunteering, such as setting up sports club, coaching kids in sport, setting up native tree planting organisations etc. These tasks give fulfillment without being stuck to the 9-5.

        I think there are other ways for you to save for your kids education without needing to return to work. Even living in Europe / other parts of the US for a year where you would likely need way less than $100k to live for the year would do it – while your passive income can be invested in the background. Keep in mind, your numbers are HUGE living in San Fran – even in an expensive city like Dublin, you would find your expenses be reducing dramatically. We spent around $50k USD last year living in Ireland as a family of 5.

        I also challenge the notion of $1.5 million for your kids education. They may decide not to go to college. The rest of the world is able to educate themselves for far less than this amount and no doubt other families in the US are able to get college degrees for a lot less. Is you going back to work for the next decade or so to help pay for this the best thing? Your kids are still young, mine are a bit older, but I have realised that that time from 3pm – 6pm is the most important every day after school. Try be there for that time, as its the most stressful part of the day, but also the best opportunity to spend time with your kids. The time goes fast!

        1. That’s the great thing in life. It’s full of mysteries!

          I’m not sure folks are doing the math regarding college expenses in the future. It sounds nuts, but that’s what they will likely be in 15 years or so for all four years. If my kids go the cheaper route, then we’ll have money left over to start life.

          Finding that fulfilling job will be the challenge. But challenges are what make life fun! If 3pm – 6pm is all one needs to spend time with their kids, that’s pretty easy to do. I’ve been spending 8 am – 8 pm with them, with breaks in-between, for the past six years.

  8. Hi Sam,

    It gets worse once you are past 55. The kids are grown and no one wants to hire you for anything. All the while your peers who remained employed are still enjoying the accolades and accomplishments of a career. FIRE gets old.

  9. I estimate that I started reading the financial samurai blog about 7 years ago and although don’t read it constantly, do enoy keeping up with you from time to time. Imagine my surprise when I read (in Yahoo finance of all places) that you were going back to work. I’m sure some people will offer some advice like a cheaper college, lower cost area, etc. but I think it’s good that you found something that you want to do and will earn a little bit of money. One thing that I don’t understand is $40K in exchange for your time and energy (~$32K after tax)? Don’t sell yourself short Sam.

  10. Do you really think energy levels drop off that much at 45? Could it be that you have young children that consume a lot of energy?

      1. 46 year old checking in here Sam. Energy does seem to start dropping a bit in the 40’s. I’ve always felt like the 30’s surprised me as still feeling young and 40’s surprised me starting to feel old. Best is advice is the standard eat healthy, get good sleep and work out.

  11. Very interesting post emphasizing that you need to keep your mind engaged . That said. It seems that 10-11 years each of two careers is your standard for depth of interest in a career. The video gig seems more like a vanity project.
    Having read your blog & some contributions to others I really think this title of going back to work for the money is disingenuous. Given your holdings I think maybe you are missing your true net worth — you can easily afford education for your children. The main driver him your blog has always been continued hyperaccumulation, so that should be acknowledged.

      1. Michael Merrill

        Why wouldn’t you consider that? Why is an expensive college the way to go and is that what you want to teach your kids? I don’t say that with judgement, but because it is something we are reflecting on. I went to Jr. College and then a Cal State college (aka, lower price). I had to fund my own college as my parents weren’t in the picture and then still went on to have an envious career. Right now I’m in my own “mini-retirement” at 43 and charting my next chapter.

        Education is changing and by the time they even get to college YouTube and other forms of self-education, on top of AI tools may change the paradigm of college anyhow. The ROI on college is often questionable and most skills are actually picked up on the job. There are some exceptions, like if they want to get into to medical, but why not remake education as part of the Fire movement?

        I recently read a story about a dad who goes on a 3 week trip with his kid when they turn 16 to teach them about the world, and then when they return they start a business for two years and then sell it and go on a mission. Then they return with all of those skills and confidence. I love that. That’s an amazing eduction! Something their dad can do as an owner of multiple businesses.

        Heck, if you are going to work and earn 1.5 million…imagine instead setting your kids up with real estate, house hacks and other ways that have them earning 100k a year from that money by the time they are 25!

        First time write but it struck a cord to think that someone doing as well as you and who has been about financial freedom might be modeling a different approach vs. what I think might actually better set you, your kids and followers up for success!

        Of course, nobody really knows. Good luck!

        1. Definitely an option, as I went to public school and public college and felt the experience was great.

          I’m just planning for a worst-case cost scenario. If my kids decide to go with a cheaper route, then there will be money left over for the next generation, or help them launch.

          To me, the $1.5 million is an exciting challenge to amass over the next 15 years.

          I love the idea of the kids starting their own businesses.

          Related posts:

          1. Both of us went to community college and earn 6 figures before we both retired in our 60’s. All our children went to community college and transferred to state universities total college costs for 5 children $180,000 no grants no scholarships nothing. They paid their own way. They all earn over 6 figures and one son and his wife earn 7 figures. Relocate and live responsibly instead of high rolling nonsense. Texas and Oklahoma have low property taxes. We only pay $1500 a year in Oklahoma in our retirement home. In Texas we paid $6500 on a home we didn’t need after the kids had their own families. So what if your kids have Debt it will motivate them to work smarter not harder. 2 of the 5 children had their debt paid off in 2 years $46,000. The other 3 took 4 years. It takes not buying the newest cell phone or taking naps. They didn’t buy new cars until they could pay in cash. I realize your post was for April Fools but mine is not.

            1. Wonderful! I will strive to send my kids to community college as well then. Let’s see what they say when the time comes.

              And when they graduate, they will have ~$1.5 million each to launch their lives given I still plan to save and invest for their future.

              Sounds like most kids who graduate from community college make six figures from your example, so you may be onto something. It’s worth spreading the message!


  12. The great thing about FIRE really is the ability to do cool work you enjoy with money not as the primary purpose.

    So much of what you have written is true, regarding camaraderie, having a purpose, and filling the void once your kids are in school.

    I did a lot of part-time work with the parks and recreation department once my kids went back to school. Keeping busy and involved in society provides life more meaning.

    Hope you get the Warriors job!

  13. Great points about increasing cash flow to invest in a down market and getting out of the house. Re college costs, several years ago I did unretire to return to a high paying soul crushing career to fund high-cost, top tier college experiences for my two kids. They both could have gone to state college on a full ride , but they wanted to follow their dreams in creative arts and Daddy couldn’t say no. Now, three and five years after graduating they are no closer to achieving their dreams because they lack the internal drive to succeed. I learned a couple very expensive lesson, which is that your kids will manipulate and disappoint you like everyone else when it comes to money. And your children will be who they are regardless of what you have taught them and given them. (Big believer in nature over nurture here.) If I had to do it over again, I would have paid for them to dig deep with a career counselor to pick a career that suits their strengths and then only paid for them to go to a state school to major in that discipline. They would be better off right now in jobs they enjoy a bit working towards FIRE, rather than working service jobs while pursuing their dreams. I hope you end up with better results than I did with my “investments” in my kids.

    1. Mark! Thank you for sharing your situation. I have to give you huge props for returning to that soul sucking job to pay for your children’s college education because you LOVE them! And as a good father, you did what you could to help them.

      Imagine a scenario where you didn’t go back to work, and they ended up going to colleges they didn’t want to go to. Maybe they would have dropped out. Maybe they would have ended up working the same service jobs as well. Then you might have always wondered, what if you had return to work, and they went to those nicer colleges. But now, you will not regret having tried.

      Fight on! I admire what you have done.

    2. Mark – I feel great empathy with you. I hope your experience helps others faced with a similar dilemma of deciding what level of a child’s “dream” to fund when you feel that their motivation may be an issue. Try not to regret your decision – it is done and you cannot fix it now. You did what you felt you had to do and you can be proud of the sacrifice you made.

    3. Mark

      Thank you for the sincerity of your post!

      I do not have children but most of my colleagues have had your unfortunate experience versus the experiences Champ has had.

      It seems to me that children who are encouraged to succeed with minimal help from their parents are the ones who develop the skills, discipline and self motivation required to excel in life.

      I grew up in an environment where 90% of the 16-17 year old boys had their own cars to drive to school while I was required to say out loud “Free Lunch” to the cafeteria cashier in order to eat.

      I remember that most of the kids were talking about getting paid up to $50.00 for an A on their quarterly report cards.

      A’s came easy for me except in the classes where I didn’t like my teachers, So naively I suggested to my mother that she should also pay me for getting A’s like the other kids!

      Her Response:

      Get an F! It’s your future not mine!

      Because of the bureaucracies of subsidized housing programs I had to move out on my own as a 17 year old senior in high school, work 40 hours a week and pay rent to a friends mother for a place on the floor next to his bed to sleep in order to graduate and enter the Marine Corps.

      Education itself is actually just a joke!

      Every level of education has its own set of requirements and standard textbooks! So no school is any better than another, it is upon the individual to read and decipher the information and develop a solid understanding of it and then establish the ability to apply it in a practical manner.

      I finally got my online Bachelor’s degree from ERAU in my early 40’s and had already attained my current 6 figure salaried job before attaining that.

      I am certain I am the unexpected Millionaire by all of the postings I have read over the years!

      Slow and steady with integrity will get you there eventually!

      My mothers only guidance was to not lie, cheat or steal!

      Sadly a man with Integrity who speaks with brutal honesty with a storied past of personal sacrifice for justice is not easily liked so I have but a few friends and rarely communicate with them or my immediate family.

      So you might want to teach your children how to lie cheat and steal so they can get high paying jobs through Nepotism and Cronyism.


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