Mr IAH let me give you a little life lesson. Your young and think you have it all figured out right up until you knock up that poll dancer on a layover. No biggie your young and she just wants you to pay her 50k to go away and set up a 403B plan for the kid. So you have a big sigh of relief, dodged that bullet. Then you meet the woman of your dreams and get married. You bang out 3 kids and she wants her pilot McMasion on 5 acres of land. Ok no biggie you got that. She then wants the kids in private schools. OK you work an extra trip per month to cover that. But hey happy wife happy life.You then set up 3 more college funds for your kids and almost forgot the one for your one night stand when you were 23. Now you wife wants a Tesla because the neighbor lady has one. Being the rich airline pilot how can you say no. Now comes the fun part. Your gone 18 days a month to pay for all that crap and now your wife gets lonely. She starts banging the next door neighbor because he's home every night and makes 100k more than you do. She files for divorce and insists on alimony for 29 years and 50% of the assets. You think ok I think I can swing it. Just then your 4 kids go off to college and 2 want to go to med school ( after all you have those smart pilot genes). You start thinking this will be tight but if I take out a 3rd mortgage on my new not so McMansion I can swing it ( after all you don't want to dissapointt your kids). Just then you find out your parents are broke and they need your help with finances. By now you are approaching 65 and think wait! My retirement will keep me going. Only problem is you have NO retirement. That's when you think back and go " that mfr Mytime was right" and now you feel like a total horses patute..

No second chances

BTW not my story but heard it 1000 times.