Getting old is lonely. It is even lonelier and actually sad when you did not prepare for it. Let us face it. Kids grow and they will have their own responsibilities in the future. That is why, I and my husband do not think that our kid will be able to answer for us in the future. We have to prepare for it. We are investing in all kinds of plans that we can afford like the Blue Advantage. Of course, we want to make sure that our cash flow is sufficient also. We are trying to save as much as we can.