The difference between 64 and 66.

Got a bill from the hospital for $600, and I gulped. Then I looked at the full bill: $64,000. I have Medicare and supplemental insurance. Thank God.

But here's the thing. For about half of the 30 years I owned the store before turning 65, we couldn't afford medical insurance. We were lucky in that all our medical emergencies were in the half of the time when we were covered.

My medical insurance before 65 was over $800 a month, and of course Linda's wasn't much less. Since we earned not much more than minimum wage during much of our ownership, this literally would have taken every dime.

But turn 65 and suddenly everything is OK.

There's something wrong with that picture.