I have no idea what the situation may be for others but sometimes we have to make decisions about what is good for our career when we are in our working years so that we are able to enjoy life when we are older. I like the idea that at my age I can just enjoy life and do what I want to do without fear of not being able to live a comfortable life. I see too many of my peers who made bad decisions while they should have been planning for the senior years and they are now in their 70's and must work just to keep eating and having a minimum living standard. At my age I can now take off for a backpacking trip without fear of not meeting obligations. Fortunately my comfortable living standard requires less money than many of my peers. Cruses are not part of my life style. A couple of hundred dollars can give a two week backpacking trip while it would not pay for a day at a luxury resort.