No safety net for the likes of us, true, but we’re hoping we will have some safety harnesses in place before we retire. I’m fortunate to have found someone to marry who also believed in that old “pay yourself first” adage we were taught back in the day, so we both had funds put away for retirement and emergencies when we married. Then we socked away more because Deb’s parents (retired pastor and wife) had enough of a pension to live comfortably but not enough to deal with slow declines in health. Most of that money is still around, although we’ve been splurging on things like a new roof for the house (after it leaked) and waterproofing the basement (after it flooded the second time). But we’re going on a cruise for our 20th anniversary, dammit! (Okay, not until 2020, true, but “living large” is a relative thing, yes?) Anyway, we’re in better shape (from what I hear) than most Americans, so we’re hoping to find a nice local retirement community on our own. We have a timeline and a short list of potential places (yes, we like to plan; yet another way we’re compatible). But assisted living? Or dementia care? That sucks down a bank account in a year or two, and long-term care insurance is a complete crap shoot. So it will just be a matter of planning how long to live, and then living for that long and going out together.