I figure I have until I'm 70 to work, because if you like what you do, it's not really work.
That said, if I don't have enough by the time I'm 70, I'll just use a sliding scale from quality of life in a foreign country down to where I can afford it. I currently sit at the Iraq / Afghanistan option. Hopefully I'll make it to at least somewhere between Romania and Bulgaria. Anything better than that is pretty gravy.
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