... on what you want out of life. I am responding to the OP, I didn't read all the replies. If you want a wife and kids, you need to let go of any pretence that you have control over things anymore. 50% of marriages end in divorce and kids will cost money for at least 20 years, if you’re lucky. So you can retire at 60 if you plan well… Or, you decide the life of fridge magnets and minivans isn’t yours. In that case, work, save your money, build a dividend stream, retire early and kiss the corporate world goodbye as soon as you can. I took path number 2, and am retiring on Feb 9th next year (at 43). I leave for a 4 year RTW trip, staring with South America and then onwards to Australia etc. I did this once before in 2006 and rode from Europe to Cambodia over the course of 10 months. Those are the main choices you need to make in my opinion. Once chicks get in the way, shit goes sideways …. Practice serial monogamy and be happy, then travel when the time is right (and the bank full). Shack up with a girl if you really must at 50 who’s a divorced empty-nester (and hence can appreciate your way of life) when you’ve traveled the far corners of the world.