All of you, I appreciate your kindness.
I have a pretty resonable paying job, only con about it is that we don't have those types of benefits, only medical insurance which is good. My outlook in life is, at 38 years old I have to invest in my self for retirement by trying to work for a company with those types of incentives like retirement plan, 401K, etc. I have been getting out of debt these last 7 years and right now am close to being debt free of credit cards, truck, etc.