Yes, an easily overlooked trap if the tool of OT is not used correctly. I remember years ago fellow FF would give me a hard time for pursuing rental income of only a couple hundred a month. Why would someone do all the work of acquiring RE, dealing with tenants and toilets when they could just pick up an extra OT shift. Years later the hundreds have turned to thousands and I have a second stream of income that will produce more then my pension. I love the option most of us have to work OT and have used this tool to fund down payments on RE. I also realize that every OT shift you work is another day away from family, another exposure mentally or physically. Remember our OT is not pensionable. Every OT we work waters down your pension. All those extra shifts worked over the years does not increase pension, you just work all those extra days for the same pension amount.