 I get to watch their lives play out. And the one thing I can tell you in retirement is this. At some point, yep, things will change. You're eventually going to die. You're going to lose a spouse. Your health might take a turn for the worse. You might even have an adult child or a grandchild have to move in with you. You could be forced to help family members. And then one day, you're going to ultimately probably have to decide what to do about your housing, whether it's downsizing, assisted living, or possibly even going into a nursing home.