bsharma wrote
but to think you will die penniless as a ward of state without her babysitting you paints you as a big loser.
Maybe so … dunno a big looser who has made a lot of mistakes but even so has managed to stay at the same job for 25 years, raise three kids and put two of them through college, and acquire a nest egg somewhat shy of a million (jointly). Dying penniless and as a ward of the state was a hypothetical worst case scenario. At this point it looks like an unlikely eventuality….. but you never know because fortune is fickle and it is treacherous out there. It was precisely because of the uncertainties linked to this decision that I sought out your sage advice.
