I turn 64 very soon. My wife is 62. For the last few years all we discussed is how we will be protected when I retire, yes I am as of today still working but I hope not for long . Health insurance is what I thought was the number one factor. Well today a very good friend of mine told me how much it is costing to keep his parents in a nursing home. $12000 per month. His Dad had saved in the range of $800,000.00. His Dad and Mom are both in the their late 80's. The $12000 per month has been going on for 18 months and the nest-egg is going fast. He then went on to tell me that a couple that also stay in the same nursing home pay almost nothing, because they had saved nothing during their life. Makes me almost want to start hiding my money. Something about all of this is not fair. Oh well, I may be on the next plane to Vegas