...now you or your spouse are too frail, too unhealthy, opportunities have passed, the ship has sailed.
Many might live to regret that they haven't prepared enough for their golden years, but far worse is to have squandered life preoccupied with making a living while missing out on actually living. No one on their deathbed ever wishes they had focused more on work. What they regret is that they worked too much, let fear keep them from going after what they really wanted, or worried too much about what others think.
It's a difficult balancing act, but when in doubt I recommend the advice of the late actor Michael Landon who died from pancreatic cancer at age 54: "Whatever you want to do, do it now. There are only so many tomorrows."