Yeah, that’s why I mostly took my retirement in my twenties and thirties when you can enjoy it. In my forties I’m having to work to pay back the debts and survive and stuff but that’s made bearable by the knowledge of drugs which I gained early in life. If I somehow accidentally make it close to sixty I want to have enough credit score that I can start borrowing again, I’ll be able to do it a lot more illegally this time and enjoy my twilight days until one of the gangs I owe vast sums to catches up to me and organizes a burial at sea.