He turned 61 this year. They were planning on retiring early this year but things went a different way. About a year and a half ago, he had routine knee surgery and then back surgery. Suffice to say that neither surgery was routine and his life hasn't been the same since then. He had massive complications with both. Then he had a second back surgery. He was told to get out and walk after that. He was walking and fell and hit his head. He was taken to the ER and was in critical care for a week. He recovered somewhat and returned to work. He then had two more falls. The last fall was last June. He has been out of work since then. He has disability insurance but they are arguing with worker's comp. Their income stream has taken a huge hit.
This has been a huge financial derailment for them. They were planning on retiring but instead have had less income and much greater expense between medical expenses, time off work for my mother-in-law, and travel expenses as they have had to travel to other cities for second opinions.
This has been an important reminder that things don't always go as planned. We need to save money when we can because nobody knows what the future holds.