@Gordon Nichols posted:X2 on Marty's post - We've got similar, cascading life plans plus a plan for long term/extended care, if we need it. Both of us have relatives who lived to about 100 (tough, old Irishmen and women) and we've got another 30 years to go so we well funded that length of time starting in the 1980s and maxing everything during the 1990s. We have several plans, some providing income and some still growing for use later. We were lucky to have the company invite all sorts of financial people in for us to interview in the 1990s and choose which ones we wanted to team with. That made a huge difference in our retirement schedule and later life to make us comfortable.
Got no mortgage anymore, the cars are paid for, the kid's college plans were fully funded for them, we make monthly payments into our vacation fund and are checking things off of our bucket list.
We've never seen the need for separate checking accounts, so once I retired I got the occasional hairy eyeball on some purchases. I was surprise that the lift was welcomed by my wife - She sees it as a safety device. Me, too!
I keep buying lottery tickets...sometimes you win.