So I go back to Woodhaven for a few days, and the thread is working it's way to 300 posts..
To the subject... been there, done that. Still have the original capital intact, 28 years later, and don't feel like we missed anything.
Wealthy? no. Vulnerable? could be, but we're good for three or four years @ foreseeable $80K nursing home costs if necessary.
Still have home on the lake in the campground, and our place in Florida, which we'll sell by year end. Very happy in our CCRC in Peru.
BTW...the past four days have been absolutely perfect. Fishing, biking, canoeing, deer walking around as if no one lives on my lot, and the geese training their Vees up and down the lake.
...but then, didn't retire until age 53, so who knows?