I took a different route. I built my own houses when I wanted a new one, and did away with payments when I was 31. Then when I was 55 I bought some commercial land and built a mini storage. Something I could easily run and not government regulated like residential rentals. So I have a 7700 square foot shop on 15 acres and a house. Couple machines, couple car lifts, welding equipment and more. They send the money and I rarely here from anyone.
I am in the same boat, took a bad hit during the recession of 2008. I am ok with it, I don't hunt, fish or golf. There isn't any longevity on the male side of the family tree, oldest blood relative male made it to 72.
I know a lot of people that didn't expect to live a long life who have long surpassed their own expectations. I guess expect the worst, but don't plan to just wait to die if you do happen to live a long life.
A close friend is in his 80's running his shop with no plans to stop. There is no exit plan at all. Just go until he can't go anymore. I love the guy, but I couldn't operate that way. I'd have to have a plan and wind it down at some point.
A friend said to me "Im worried about leaving millions to ingrates"......I thought about this .....most I ever got was $600 when my grandfather died....certainly not enough to set me up for life like a lot of young uns will get now that houses are worth millions.