We have enough put away to take care of any spending money we will need, barring a true mess such as extended in-person health aides.

It can be important to note the impact on Medicare costs based on income. This year the standard Medicare charge is $202.90 per month, with steep tiers. But if you have enough income, maybe an extra $10K per year for a couple is minor, considering Medicare is a big bargain for most people.

I might have put less in retirement accounts had I anticipated that the feds would change the rules to force liquidation by heirs within ten years. I might have kept more in a taxable account and hoped for the automatic step-up, assuming of course that it survives.