While I’d love for LTD to be 100% with retirement and insurance paid up for life, I have to balance that with knowing that if I’d go out I’d be making a multiple or two of the national average income to not work. If I have to contribute to retirement and insurance out of that then them’s the breaks. I could be flipping burgers for a living or dependent on the government sole.

Ill take anything better if offered, but won’t turn my nose up at this.