True Bernie, but you're in that position because you PREPARED for it (or you hit the lottery, married well, or got a really big inheritance). For me it was lucky (I'm hesitant to use the word 'wise') investments and a stable, reasonably high-paying career

It was no problem preparing $ for my seniors years. I was part of the depression; and my parents never changed their style of living. I hated living like that, but now I have come to appreciate their training. No lottery, married poor, no inheritance.

Buying a new keyboard improves my playing and singing. I get a chance to make corrections and improve what I had been I passing up. (Incentive)

One happy, positive camper, John C.