Now there's a good point. My father in law, early 90s now, blindly signed up for every pension benefit, bank account thing, insurance thing whatever that came along. He had no financial planning or strategy in his noggin'. He just did what his employer said was good for him for retirement. He has 3 (yep 3) pensions (military, and 2 others), a long-term care plan, medicare, and a few other things. His assisted living and memory care is $10K a month, and 95% covered by all the above. That's what I mean about boomers having more than they ever knew. Think about what it will take to care for you in your 90s and how will that be paid for. That's the fundamental difference of generations now.