Most of my friends and colleagues have gotten married, had children, and their children are starting families while I have only been married once no children, and living a single life. The expectations of life not just socially but in most of our minds are to have a sustaining career, a loving family, and look forward to an empty nest where grandchildren come and bring life to a quiet living space. We are expected to be living comfortably and swearing at the mailman or bank if the retirement check is late.