Can't overcome the fear of buying a Truck and TC.......

The S&P 500 and the Dow are both right at all time highs. So if you have a safe pension and/or invested, your net worth stands a good chance of being at an all time high.

Value of a pension or Social Security? Although there is an argument that if you can't sell it, it has no value, I disagree. What would it cost to purchase a comparable annuity? That is the net present value of your pension or SS.

If you want it and can afford it, go for it. None of us are getting younger.