You want money, more time with your family, to be able to go on vacation, whenever and wherever you want. have all the material goods that you have been dreaming of for years. But unfortunately we all think when we retire we will. but I have news for you when you retire, God willing, you have already spent 3/4 of your life, you wasted all your time, effort and health for others, you will not have money, you will live on a government check where you will not reach for nothing, you will ask for all kinds of help and perhaps you will have a part-time job to be able to pay your expenses, you will realize that your children have grown up and you will have grandchildren and you did not even notice. before you get to that point where there's no turning back. change your way of seeing things, there are many options, it's up to you to choose the one that best suits you, but don't be left with the doubt that it would have happened if you had started today.
Happy fall. Enjoy your life.