do you have a pension plan at work or a 401k? i have a 401k,but that relise on the stock market for the most part.SO here is my plan.when i turn 67 i'm going to rob a bank, if i get away with it i'm cool. if i get caught i'm cool also. if i go to prison i'm to old to be someones boy toy, i have no medicade or prescription price worries.most old folk don;t do anything but watch TV or talk about the old days( not much different than the joint),my family will prolly visit more instead of taking for granted i'll always be there.( like alot of us do with our grandparents).three hots and a cot,if you think about it it's not much different that a retirment home,except you can leave there if the nurses don't catch ya.AND they pay to sink you in the ground.WA LA end of the retirement prob. what do ya think,think hard its hard to argue unless your active!!