they will never spend ONE day in a retirement home
I'm not getting into this discussion, but did have a question about this one phrase.

Do you mean Nursing Home? When I think of retirement home, I think of the many retirement communities around here, full of vibrant, active people. I don't look at them as places to avoid.

Nursing homes, on the other hand, can be good or bad. My mom was in one in Rhode Island before she died, and it was a great place. But I have seen the other kind.