I know it doesn't fit your narrative, but actually I am better off:

I retired on 31DEC this year; 23 years Army, 4 years contractor and another 16 as a .GOV civilian.
I paid off my house and acreage 3 years ago.
My net worth has increased dramatically thanks to the latest market run.
My boy is finishing his junior year and has another year left on his full ride scholarship. Based on his grades he should pick up something for his masters, IF not there's enough left in the 529 plan to cover it.

So from my foxhole, yeah I'm better off than 4 years ago.

Last edited by Chuck_R; 03/10/24.
“Might does not make right but it sure makes what is.”