Stability Jane , Problem is that a lot of people aren´t in a similar situation to yourselves.....Those of us with 20 +yrs to go are looking at the current situation re:reducing pensions, increasing taxes, reducing state entitlements and worrying about our futures. Many of us currently working are paying your husbands´ pension now. With the demographic problems Europe is facing ,our generation will not have that luxury. We may have to work until 60-65 to enjoy retirement.....