I don't think that small minority is as small as you might think. Life is full of uninsurable disasters. The "good" news is that there are only a few years of

I don't think that small minority is as small as you might think. Life is full of uninsurable disasters. The "good" news is that there are only a few years of retirement you really want to hang around for anyway (as opposed to a slow miserable death of dementia and other diseases). Seven years, for example. (67 to 75) When I run out of money, I'm out.