I go to Europe every year to snow ski (pre covid) which is not extravagant because it is a group trip, usually 60 to 75 people (this year 40). Had a set back and ended up in a hospital in Milan after skiing in Switzerland. Flew home and spend 2 weeks in the hospital in DC. Friend Wayne called and gave what my wife described as the greatest Pep Talk she had ever heard to me. Wayne and I had been having some good times in Lauderdale and on his 29' center console that he wanted to follow me to the Bahamas with. I was getting discharged so sife called Wayne's cell phone for him to give me another Pep Talk. Daughter answer's Wayne's phone. He's dead of a stoke. SPEND the MONEY NOW! You can save more later. Bon Jovi said, "It's MY life, it's now or never. I ain't going to live forever." I wish I had more money now but at 72 what do I think I am waiting for???