Lol, I have lived through it, so it is not a matter of thinking too much.

If I was only 40 and saying all that, yes you can accuse me of thinking too much, but as I explained, my plan was adjusted as I lived through each phase of my plan. I was thus advising the naive poster of the pitfalls of just depending on a simple plan.

We all don't know when we will die, that's why we need to plan. Never mind, I don't expect you to understand this.