If your expenses are "zero", and you don't pay taxes, sure. Although a million ain't what is used to be. Flying premium time at that age seems depressing beyond belief.

But if you were in that situation already (Zero debt, tax write offs due to numerous rentals, small business ownerships, etc), you wouldn't be in this scenario at age 65 anyway.

You can't stop smoking with a Stage IV lung cancer diagnosis and hope to survive.

Retirement is the same way. It takes decades of living below your means.

"The "D**do" of consequences for your actions rarely arrives lubed."