You are bang on Tom111. I would rather spend money on an experience than more 'stuff' that just gathers dust. 

Today's kids should not have to pay for me to be in a home when I get near the end.  I expect to have the funds to pay for this. During the last election campaign I wrote a letter to Justin Trudeau questioning why he wanted to lower the TFSA contribution limit back down to $5500 per year and I basically said that his kids should not have to pay for me to be in a home. Of course he never returned my email. 

Once you see that secondary revenue stream begin to grow, you actually get to enjoy seeing it grow and the day you no longer need to work getting closer.  Since I invest DIY my costs are under 0.2% all in, and the rest is all reinvested.