[WJW]

Well obviously. Vesting schedules are explicitly designed the way they are to keep people around. That's their entire purpose.

Retirement is inherently a choice to earn less lifetime money and pour that time into family and other things you like doing. Waiting for the next vesting cliff is inherently a choice to earn more money and spend less time on your family.

[leoqa]

My point is that it being a choice starts to disappear with kids, rising costs etc. It was a choice I could make independently, now it’s a choice the entire family gets to participate in since we’d need to sell the house, move to a lower cost of living locale etc.