Agreed, depends on the individual. It was my unwise financial choice to remain in Kentucky to teach after earning the B.A. All other aspects were great, just financially an unwise decision. So, my fault that I cannot have a working middle class retirement in the USA on my $2400.00 USD per month ($1526.00 of that from SS). Very happy for over a decade to have been economically forced to retire to a lower cost country such as Thailand.