Hopefully, you do well. 

It seems that one of the main things is that once we start to get into our 50s and 60s, we want to be able to have the ability to pick and choose our activities and also to wind down if we want to wind down.. yet of course, people do like to stay busy, and also, sometimes there can be feelings that: "whatever I am doing I am doing by choice".. so there is that angle, too...   Sometimes if we mess up our finances too much, then we can be left with various struggles, and surely there are a lot of us who witness others who we perceived to have had screwed up their finances through behaviors that had even seem to have been way too short-sighted, and some of those examples are just way too obvious.. when someone has all kind of luxuries, toys, and more house than they need, but then they are forced to size-down because they did not manage their finances very well (they were consuming too much), or they have to perform physically demanding work in their 50s, 60s and perhaps later, and it seems that they are doing such work because they don't really haven any other option in terms of finances...

It's not easy, even if we do a lot of the things correctly... We can sometimes have money, too and then we are lacking in some of the relations to be able to get help with certain kinds of things, even if we offer to pay... so money does not necessarily solve all problems when it comes to building trust-based relations.