OK, just play along with my questions..

Have you seriously considered the following?

At what age do you begin seriously planning for retirement?
At what age do you begin to seriously think about your health in retirement?
What if your health deteriorates, what provisions do you have for your care as you get older?

I think some people tend to only consider the money needed for retirement or have come to the conclusion that they never will retire, but very few have conversations around their health as they age..