only 5 hours of sleep per night is going to burn you out, real quick. Look, guys, you don't need millions of $ to retire, and why bust your butt every day, for decades after you COULD have been taking it easy? It's quite feasible to retire on just 100k, right here in the UsA, and with some care and some luck, you can get started on it with just 50k of your own money and some from a bank, plus a lot of labor and time spent supervising others. you can easily have 50k in your pocket, after 2 years, starting with nothing, if you'll drive a big truck over the road, and LIVE in it, or in an old van back at "base". 100k after 3 years is guaranteed, if you go at it correctly. 1 year after having 100k to invest, you will be clearing 50k a year, without doing a thing, except checking in with your property management people now and then. In the time it takes you to get a bachelor's degree, you can be all set. if you count the overtime, then that;'s the 2-3 years you'd spend doing nothing but pay off your college loans. you wanna be free to travel the world and do what you want at age 25, or still busting your hump at age 65? it's your choice.