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Im older than you but one thing is I did 5 years of college and one year in a PhD and ended up changing careers. So my work progress was a bit stunted. I have a similar experience. My dad worked as a janitor and owned a 5 bedroom house and raised 7 kids. I often point to the family the main character from caddy shack for younger folks who may disbelieve or not understand what im talking about. Yeah with a masters and bachelors and certs and massive experience I am almost two years unemployed and so glad I did not have kids that would be in college now if I had had them.