I've had this discussion several times....how to die poor. I'm 10 years from retirement, have a good income and being a professor, time off. I want to travel and improve the quality of life NOW. I have no children and no one really needs my money when i die. So the question is how much should i spend and how much should i save in case of emergencies and health issues? If I get sick I'll have only my poor husband to look after me and when I'm old will have to pay for in home care. I'm healthy now and want to enjoy life and stop counting pennies. We never know what awaits us around the corner. I don't wan to have regrets like " I should've ordered the better wine, or gone to a better hotel. Anyone else have this dilemma?