I'm not trolling you: I TRULY hope you aren;t going to be one of those people work until 67 and die at 68.
I retired this year at 55 and if you want to know what this retiree's life is like: I volunteer at an animal sanctuary two days a week and a cat rescue one day a week.I take my dad to lunch every week any time he chooses. I go to ALL of the grandkids school functions. I spend alot of quality time with my wife ,it's NICE going shopping in the middle of the day!
I went on an Icelandic Cruise this summer, a four day getaway cruise this fall and the week of Christmas I'm spending three days in Prague then taking a cruise of the Christmas markets in Germany. I sleep late every day and have the freedom to do whatever the hell I want to do every day. Nope I don't bring home what I did working but so much of what i made went into stock and 401K i dont really miss it. I'm happier trading money for time now
Will I have as much money as you when I'm 67 or 68? probably not BUT i can assure you I will be MUCH happier from 55-67 than I would be if i were still working and that m'friend is worth more than Dollars
Who knows when we will die. NO MALE on my side of the Family has lived past 72....not one(modern history).
I got to thinking the other day about insurance.....never paid for it ever. My Mom had great insurance through her work. I started at UPS when I turned 18 and have had free insurance ever since. My Wife's cancer stuff is costing about $15k a month right now....insurance pays for all of it. I just started a $1k per month scrip drug that costs me $5. I will not disturb our insurance situation for anything but my death.....here, we have to pay for insurance at retirement and I'm not remotely clear of it's benefits/cost.
Both my parents are dead. No Grandkids so far...hard to tell if ever. My Wife still works by choice..
In our Family(both sides), most worked till their 60's, retired and lived a decade or so. There are exceptions on my Grandmothers side....women mostly lived to their 90's....! Tell you anything?
Now, I have lived a much healthier(relatively) lifestyle and diet/exercise than my parents. So, who knows?
Having just(relatively) shed my daughters college expenses and all that....was like getting a raise. I'd like to live a little. My income right now....allows me to do the things and have the things I gave up most of my working life. For instance: Some of my potential, looming medical problems would ground me from flying. Right now, I own my own airplane and can fly anytime. I could have never afforded a corvette raising my daughter, taking care of Parents...so on.
I've seen my parents, their friends, co-workers......go through their 60-80's.....some of them.....I would kill myself before I went through that.
Cruises....have at it. You couldn't pay me to go to Europe right now. With all respect......if looking forward to a walk or afternoon Costco shopping is it....I'd rather check out the Cosmos.
I'm at peace.