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What happens if you need a series of operations at the age of 45?

I cannot imagine anyone choosing options 10 to 13. Choosing option 13 would mean a 84 year old continuing to work to double his passive income. Me I want to be 45 on 100k passive.

I have had 58k passive income for some years now and I don't believe that it will be sufficient even as a single person. There are many days where I spend about 80 dollars a day eating out and I do enjoy flying business class. So in retirement, I don't wish to have a massive drop in quality of...