Fotunately, I am not one of them.
My primary residence is free and clear. I purchased a 2nd house in 2005 with my income tax refund (just the down payment). I can afford the mortgage even if it is vacant. I have my middle son in the house right now. When he moves along, I'll rent it again. I turn 53 this year, so I still have a few years before wearing the label "senior citizen".