Unless someone is prepared to pay your bills for you, they have no right to tell you what financial decisions you should make in your life.
I know an elder/ pioneer, born in the early - mid 1960's. Father was a missionary/ pioneer. He is the typical poster boy for the org. Pioneered his entire life along with his wife- still pioneering- no kids, rents a house and has a window washing business. He is the super spiritual type.
He was extremely disappointed that the age limit for circuit overseers was changed- he just missed out by being a couple of years too old after the change. And now of course, he is getting older.
What has been his reward for his loyalty? He has witnessed nothing but prophetic failures all his life. Im sure he believed he would never get old and was looking forward to the end coming long, long ago. The sad thing is I know for a fact he is a fairly intellligent guy that could have probably excelled in a chosen career that would have been much more satisfying.