Sorry to hear about your predicament but that is life. We can't live life thinking all will be well and as what we plan for. Don't wait till the last minute to do what you always wanted to do. Don't say "I'll do charity work when I retire at 65". You may not even live that long. Do it now, be a blessing in this world. There is no need to work so hard till you drop dead leaving behind so much cash, cars, properties, and all kinds of wealth to your children as they may just become lazy bums who would squander away your fortune. Instead, teach your children well to become good, responsible citizens.

I was in your situation a few years ago. I used to live in a big landed house and own investment properties. I got a heart attack one day, almost lost my life but survived. It was a wake up call. I am now a changed man. I stop the pursuit of material wealth and focus on the spiritual. My heart is now more at peace and I wake up every morning feeling blessed by the Creator. As my wife was not working, I had to make tough decisions. I sold my landed property at a good price, pay off all my loan and now owns 3 properties. My family and I stay in a condo and rent out the other two condos. We survive on $6k per month. I sold away my car, stop having a maid and cook at home. Life is so much more meaningful today.