As an 87 year-old with similare if less signifigant financial hangups, I can suggest that you simply retire at 67 and manage expenses based on that. Your life of material wealth can be reduced then, and you can probably sell your car and do without auto insurance. In the long run, you're looking at subsistence life style with likely assisted living, hoping your health holds up. Likely you could reduce circumstances of lodging, etc., not be taking vacations, letting relatives support you, instead of you them, finding comefortable sharing with similar others.