Well, you have to count that we were defrauded by a business colleague when we were in our 40s so had to start over. You're right -- if that hadn't happened, we'd be retiring on time. We never declared bankruptcy but instead worked for years to pay off the debts we were stuck with (someone else's), which, I believe, was the responsible thing to do. I think we've done pretty well, considering, but I do want to pay off the house.
Sorry, wasn't really a dig at you personally. Just the fact that there are more people working after 65 now more than ever before...because they cannot afford to quit/retire, and younger people suffer because of it.