This came up before. My answer is still the same. It probley would make me mad at this late date in my life down the knoted rope. I would travel some and see scattered old friends and family. Buy me that side by side atv, a few other things but at this late date I doubt it would change my personnal life all that much. We have everything we need, but I havent travaled like I thought we would as my wife is almost 17 years younger and I want to be sure she can have a life after I check out. If it was just me I would be spending my ira more and doing things. Belive me, the older you get the more the rules change.