You've got your head on straight. I'm 60 and I worked myself silly when I was young. I might have worked too hard. I tried to juggle work and my kids and if I had it all to do over again, I would have worried less about material things and more about raising my kids. It is so hard to take care of your family and provide all they need. I had to learn the difference between what we need and what we want. Remember to take as much time as you can with your family. In the end, they are what you will cherish.