Am very sorry to hear of your sorrows. Best wishes for solace in your grieving.
I think that there is much wisdom in what you have said about there never being a right time for some things. Before deciding to retire early a few years ago, I did a bit of research into the probability of debilitating illnesses affecting people as they get older.
Lots of graphs about the propensity of various illnesses against age are available at the Bureau of Statistics as well as other reputable sources and the picture that they show is that pretty well from one's mid forties upwards, there is a pretty fair chance that people are likely to suffer some illness or impairment that will seriously reduce their chances of an active retirement.
In my neighbour's case, at age 58, it was Parkinson's Disease which has changed his retirement plans quite considerably. Likewise, many of us will know of people who have died a few weeks or even days after retiring.
As an old Rod Stewart song says,
"Never wait or hesitate
Get in kid, before it's too late
You may never get another chance
'Cos youths a mask but it don't last
live it long and live it fast"
Best wishes in living your dream.
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