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Several years back I read somewhere that most millionaires drive the Ford Tauras

My first thought was how could someone save up a million bucks trying to keep that thing running.

We were in the bottom 20% when we started out but were in the top 5% when we were both working and the kids were going up. We've been saving for 20 years but the years between 60 and 65 are really dangerous especially with only one of us working. We have great medical insurance but if the job evaporates everything we've worked for is at risk.
Falling into indigent care the State will confiscate assets. Obamacare might be the only way to work through it - it's not like a 60 yo and a 63 yo with preconditions are going to find affordable care on the free market.

A week in the hospital can be 1/2 million or more - that's a big bite out of retirement savings and for the average Joe it's a lien on his home if he even has one.

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