If your retirement is not far off, you've probably already started to estimate what your living expenses will be after the regular paychecks stop. Don't forget to factor in taxes, which can have a substantial impact on your cost of living.
Back when people from my parents' generation were first planning their lives together, most married couples looked forward to working hard for a few decades, raising a family and then retiring together while they still had enough money and energy to travel.
Wouldn't it be nice if, after decades of hard work, scrimping and saving, you could retire and no longer have to worry about paying taxes? But that's about as likely as the Cubs winning the World Series.