I think there should be a reverse retirement plan.

From ages 18-40, you ought be able to party your butt off and have a fund send you checks each month while you are young. The total bill you rack up, you'd then work off in ages 40-66 to pay it back. At 67 you'd retire, and rack up a bill for your kids to pay back for you once you are gone.

Next time I'm born, I'd like it if you had this in place and the kinks worked out.

SO GET ON IT AND REPORT TO ME WHEN IT'S DONE!