I really like this advice. I was like the OP for a long time, and my husband pushed me to buy things for me once in a while (we have a rule that I am always welcome to buy yarn because I almost never buy other things). There's an element of "if I don't spend my money, who will?" to consider as well. All that money is useless to you when you're dead, and it's possible you won't be able to travel in retirement like you'd always planned anyway due to declining health.

Studded tires damage the road if you don't have snowpack to drive on and are illegal in some states because of this. Plus, the best tires in the world can't help you if you if you can't see the stopped vehicles in front of you.

To add on to this - these implants are typically close to the skin and can often be seen when thin people raise their arms. If it's implanted deeper or the person is larger, you can tell if someone has one by looking for a small round scar.