Welcome to the real world buddy. After 30 years working in Ontario in the fork lift business I too was worn out Knees needed replacement due to all the heavy lifting, OHIP answer was pain killers Had my own business in the end but still working hard , so took the plunge sold up everything and moved back to the UK took early retirement had both knees replaced was 60 then, had 15 years of the easier life repaired caravans much lighter and more profitable not worked full time now for 4 years pension keeps me alive and rebuilding an old car HEAVEN