Tothill, Congrats! proud of you for completing your education. What have you majored in? I am retired from teaching now, but went back and completed my educ. when both of my children were in school. I started 24 years before, then worked, married and had my family. After receiving my degree, I taught for 25 years, retired in 2004 early so I would be able to receive the GOP (government offset pension),and be able to draw on my husband's Social Security, since the school district we live in doesn't withhold SS. I resigned from my employment here and went to another school district and worked for a short time and had SS withheld which made me eligible. I haven't regreted doing so at all have loved every minute of retirement. You hang in there and finish that educ.