game plan

So what do you do? Do you enjoy life as you go along or do you save up until you have enough money and then go? What happens though if you get sick? Oh sure, the statistics don't tell you all. Statistically there is about a 4% casualty hit every year. But after age 70 your mobility gets severely impaired. So anyway my take on it is to take the risk and hope like mad that I make it without too many health problems. No guarantee though and if anything happens, well I gave it my best shot.....and I will live with it. Golden years? Myth or reality?