I understand where you are in some ways. I am 57 and stay scared to death something will happen to disturbe this egg shell we live in. My husband and I are not prepared for retirement cause we gave it all away helping irresponsible kids for the last 10 years. We are even raising a grandchild. she is 3 yrs old and we have had her since she weas 4 months old. I have no idea how I will will afford school clothes and supplies again at our age.