Of all the CDs that you own, how many would you buy again if they were all stolen or lost? Let’s be honest, most folk have dozens, probably hundreds of CDs that they’ve forgotten about and would never miss. Each of those CDs is about a couple of weeks of subscription to a high quality streaming service. Do you want to spend the rest of your life listening to the same old stuff, or do you want to listen to new stuff. If you got into streaming now you will save what you otherwise would spend on CDs, and that could go towards a rainy day fund to cover your music should retirement bring financial constraints. I’m retired. I spend less on my Qobuz/Roon subscription than I ever did on CDs. I could dump the Roon sub if money got tighter. I pay less for high speed internet than I paid for Mickey Mouse connectivity years ago. And I’ve still got my ripped CDs anyway.