Hey, MKennedy, you miss the point, most of us here are not 24!!  Many here are near or in retirement already (that's the reason some can easily post here all day long!), so taking some off the table is likely prudent, although hardly anyone wants to admit it.

 As for me, I'm 56 and holding on (LOL, see what I mean??).

 Good luck with your career, your student loans, the kids (!), and your retirement - I really do wish I had thought more about the latter when I was your age - a tip of my hat to you!