I was chatting with a few friends in a local restaurant a few years ago and we all realized that we were sat on savings which no longer had much of a purpose. We were all above the age of 50, had paid off our homes, put our kids through college and had enough income to vacation twice a year. Any big spends that would be required such as house renovations could be more than covered by our savings and in all honesty I felt a little sad that I had saved all my life and that my savings weren’t…