[L'homard]

Thanks MR that's very helpful.
I will retire relatively young, but poor and will probably have to work a bit here and there until I die or become incapacitated in order to enjoy a few luxuries like medication, gasoline and heating fuel. I choose this over working until my late 60s and then "really" retiring, because I'd rather be happy and poor than be miserable working an extra 10 years.
\In my case, NB seems to be where I'll be staying.