Sean has got it right mostly with his post above. Not much more that I can add to it. Healthcare for me is huge. I have been covered fairly well over the years through my employer, but still, out of pocket expenses can still wipe you out. My wife was diagnosed with cancer some seven years ago, went through chemo, the whole nine yards, multiple surgeries, and it took basically all of my savings and then some.
Yes, thank goodness, she is still alive and cancer free at this point in time. But at 58, my financial means are probably at their lowest, and the thought of retirement, almost non existent. And I live a hugely modest life compared to many here and of those I read about on this forum. At some point, I feel like my wife and I will just elect to forgo medical coverage, forget any of the available coverages and wing it. I personally would rather have 5-10 great years and just pull the plug, than slog through another 10 years of work and then die. Then again, there are no guarantees on anything.