Because of health issues, we get little income from me and working my wife hard! We still travel, see grandkids and have a great time every day of our life. No guarantee of tomorrow. And nobody gets out of this world alive. But know many couples who don't seem to enjoy much NOW (don't travel, buy, improve home, etc) so they can "retire". Big plans for THEN. Not being nosey, but how do YOU look at the "golden years" - with or without the gold!!