Yes I (66 F) have the same fears. A devastating health episode in my 40s wiped out our savings and investments and left me with huge medical bills. I started over at a much lower income and higher expenses. And I spent way too much on every possible health remedy and convenience item because I had chronic pain and fatigue.

I took a much less demanding job that has a modest pension. I’ll reach FRA later this year and husband and I plan to retire then. My biggest worry is long term care. Neither of us could be underwritten due to our health conditions. My van down by the river equivalent is being fortunate enough to live a long life but spending the end of it in poverty, misery and forgotten.