You betcha. We're in exactly the same boat.

Lots of debt, no assets, no retirement, kids in college. We'll never be able to quit working. However my husband's company has a 5 million dollar life insurance policy on him......

That's how we ended up living overseas. A job opportunity that was: US tax exempt, free housing, no car, no electric bills, no property taxes. But now we're stuck. We'll be shuffling between foreign countries for I expect, at least the next 10 years. We absolutely CANNOT afford to return to America and start all over again--with nothing. We'll be missing our kids, our grandkids, our families; traipsing around in various countries where we don't speak the language and have only half a clue what is going on.

I worry too how my kids are going to survive in an America where it's so hard to make enough money to make ends meet, benefits are becoming fewer and fewer, and employers give you the boot because your job skills are obsolete every couple of years and so much work is being *outsourced*.

I find it all very frightening.