I admit am a 黄脸婆
I ensure am financial independent
you are working, so how 黄脸婆 can you be?
i share the same belief as you...have a retirement plan so as not to stress the kids. my belief is they should take a study loan so that they are responsible to pay back and not job hop easily. like what you mentioned, there is a study loan but there isn't a retirement loan...but that stick in the mud wants to pay for kids' further education which i object.