I found that no matter what I had planned, life happened. My husband was diagnosed with life limiting disease in January. We moved from from California to Oklahoma (temporary until we decided where we wanted to lived on a permanent basis) in May. In September our youngest son who was in college was in a car accident and suffered extensive brain trauma. In December we moved to Dallas to be near medical facilities for his treatment. He gradually got better after 3 years and we started thinking about going back to our retirement planning. Then my mother started ailing and had to move in with us. 5 years later she died. Then I had a wreck and 3 back surgeries. This is LIFE as it really is. Now I'm 70, DH is 72 and we've lost interest and energy in traveling as a life style and the extra money is gone. But our years were invested in the people we loved.