I think as long as retiring folks keep their burn rates low and make it to the age where social security and Medicare kicks in, they’ll make it from there to death without a substantial reduction in quality of life (assuming non-crazy retirement burn rate). Reverse mortgages will be issued at today’s valuations, not forward looking.

Those of us under 50 though? Much harder time ahead than this discussed cohort, all the juice has been squeezed and growth will be at a reduced rate as the population pyramid compresses.