good luck, bad health can happen in the twinkling of an eye.... we thought the same, but govt doesn't think like you do, they only look for more money, more power, more control. we thought we'd live on what we saved, tour the world, but we're selling things, not going anywhere, because govt inflation, higher taxes, hogher fees for those supposedly "free" services, & inability to help Americans has eaten up our savings. we've been very conservative, but govt happened, & then bad health struck, & we can no longer work. govt will find a way to beat you out of every dime you have saved.