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All you can do is plan for what you want. Life will throw at you what it will and you have to adapt. My mom worked into her 70s, then retired and planned to travel with her BFF. Almost literally as they were packing the BFF got sick and died. Mom never did any traveling after that. Now she's 87 and her mind is going. Amazingly quickly. She was told not to drive last year, but otherwise was OK for IL at the community we moved her to. Today, 1 yr later, there's discussion whether she should move to MC and if AL is sufficient. But she has to move. Sometimes I can be on the phone with her for an hour and not get one piece of coherent information. Usually I have no idea what she's talking about.

Life is something that happens to you while you're making other plans. But that doesn't mean you shouldn't make the plans. Sometimes they work out, sometimes they don't. And you don't know until after the fact.
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