[mosesbotbol]

How far are you into the 20? My dad is a govt retired on pension. He did pretty well, but he could've made a lot in in private sector and not had a pension or security? It's a toss up. Pensions are becoming rarer than hen's teeth.

I would worry that my role and employer will continue for until I could be vested. There's a lot of uncertainty as roles are being moved to contractors in every industry. Luckily, I am that contractor.