I think I understand what you're saying, Wilma. I'm comfortably off because my husband insisted on paying off our mortgage as quickly as possible. He worked hard, paid into pensions and was always planning to stop work, "next year, one more year..." Sadly, he died very suddenly aged 54 and his pensions paid out to me. I won't apologise for being financially comfortable but I would never throw it in other's faces nor would I wish my husband's fate on anyone. By choice, I live modestly, never smoked and hardly drink. My situation has many disadvantages. I don't go on holiday or have much social life. Everything is geared towards couples. I can't see the point in taking a big stack of books and reading my way through a week or two abroad surrounded by strangers when I can read the same books at home in my conservatory and meet up with friends! Singles holidays are also shockingly expensive! The fact is, when you meet your partner and share many years together, it's weird even imagining that with someone new and anyway, they're all old geezers!