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"We've raised our families, our houses are paid off, and many like me still have 15 or so years left in our working lives."

15 or so years left in our working lives!?!?!?

To my way of thinking your situation comes down to the reality that Social Security and health care aren't going to be available to us and we are going to have to work a lot longer than planned - unless you left out something.

Why the analysts complain that Social Security is going insolvent in 2017 is beyond me. We are in debt, can't afford health care without an employer, our jobs will go unfilled if we do retire all means we can't afford to retire!!
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