Or you can retire and drop dead one week later. There have been four people where I work that have died in the past three months within weeks of retiring. And this week close friend died 3 days before her retirement party. We will be ok, with no structured money from our jobs, that disappeared, when company was sold. We invested and spend wisely. I do not lecture my children, as to their course of life.
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Do not worry about things you can not change 
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