There's a very old folk song with the chorus, "Save your money when you're young. My boys, you'll need it whenyou're old."

I'm finding a lot of truth in that as I get older. I'm glad I didn't spend money on frivolous things when I was young, saving and investing instead.

Conversely, I put off many travel adventures for my retirement years when we would have the time and money to do them, but now find that we are physically unable to do them despite having the time and money available. The limitations of old age hit us both suddenly within 2 years, which was totally unplanned.

My boys, there's a happy balance somewhere there in between. Hope you find it!