I think we are in a generation where we may not be able to keep money secure for older days because illnesses set in and children will get too busy with high spending power. I truly feel what you wrote here. I am happy reading many articles from people at age 61, 70, 80s in medium. Consider yourself fortunate you were educated. My parents were not. Sometimes I wished my dad is good at writing but he's not into this. He is not gadget savvy. My mom won't too. She don't know how to type or use computer no matter how much I tried to help her in learning.