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re This is like a mortgage to me with some twist, namely, uncertainties. But now you are like the bank and someone repay you, and he can't refinance, get a second mortgage, get equity loans, or whatnot. Of course, default is always a possibility. The question is how probable it is. There are...

Some suggestions on housing, health insurance, etc are already posted by other members. As for life style, you decide on what you like. Some people have suggested doing more things, things you may not be doing now. But what the... Since you can live a frugal life, you may be able to lead a...