Thank you for this post. A lot of good information to sift thru. I get frustrated and a little annoyed with personal finance bloggers who write about retiring early. They have no idea. I am over 50 and currently working part-time (my choice). My husband works full-time from home, thank goodness (saves us some money). We are currently dealing with family situations on both sides. My father has Alzheimers, diagnosed over 2 years ago; in mid-March my mother-in-law fell and broke her wrist. She has been either in the hospital or a nursing home ever since (one health issue after another). We have been running back and forth between the two and it is taking a toll on our finances and our lives (stress levels thru the roof). There is no way we can anticipate how long this will go on, how much it will cost us, and the effect of the stress on our own health.