Well.... to be fair, I lived a good life from my mid-20s to my mid-40s. I traveled the world. I have worked in various parts of North America, Europe, Asia, and Africa. I've done a solo motorcycle trip from Nairobi to Cape Town... just as one example. The problem is... while I had money during these years, I didn't save much. What I did save was used up in the in-between-jobs times after I was laid off... and this happened more than once over the years. Before I got married, I had a plan to retire at 50, and I was actually well on my way to achieving it. Then life happened... and kids arrived... and money disappeared faster than it came in.

Now that retirement is closer... and I'm thinking about it, the reality of it not happening. I look at the stupidly broken medical system in Canada... and think "shit, I'm screwed". I can't see a doctor for example.... just to do some preventative body maintenance and checkups. The local walk-in medical clinics are overwhelmed. I have a family doctor, but she's retiring this year... and she's currently booking in-person appointments 3 to 4 months out and every day the gap for appointment availability gets bigger. The only other option is the ER... and if you show up at the ER saying "I am almost 55, I need a physical just to check on things" they show you the door and say "come back when you're sick". I'm literally booking a flight to Europe to go see a doctor for a checkup.

So yeah... wheeee.....