It’s even more important when you’re older. I live in Portugal own my seaside T3 condo outright. condo fees 170.0 quarterly. Full time housekeeper/ Cook. Fresh Sea bass, Cod. Have not cooked, cleaned done laundry in years. Average 5k spend maybe a little more with a car service or home repair. In the Bay Area I made 140k and felt barely middle class. Too tired to cook after work spent all my money on sushi and sake. My quality of life improved dramatically. No car jacking, car thefts, or swarms of shoplifters where I live. The U.S. no longer thinks there should be consequences for criminal behavior which is only a recipe for norm less ness and anarchy.