I grew up in a happy and supportive family with 2 parents. I married just out of college and had a satisfying life as a starving artist supporting myself and family as an Administrator. My challenge came when my husband developed early onset Alzheimer’s for which we were not prepared for emotionally or financially. By the time of my husband’s death at 63 I had spent all of our retirement savings on medical bills. During the last year of my husband’s life he qualified for long-term Medicare. I now live month to month on my social security check with no retirement savings. So I learned later in life that you really can’t anticipate where you will end up.