The ones that you'll expect to be here when you return to the states. You're the one screaming and hollering about the deficit without realizing that reducing it will require major cuts to key old age benefit programs that given your age and health you'll be increasingly dependent on. As for struggling in retirement,,, Haven't worked since May 2015 Haven't carried a penny of debt since 2003 outside of credit card charges which I pay off every month and pocket an unlimited 2% . As for going back to work, i don't need to but if I spot a decent opportunity I'll look into it.