You start having a bunch of people,around over the age of 50 and the survival retreat medical clinic means a lot. Just one trip to the hospital can financially cripple you.

All that stuff that you do to get fit and healthy in your 20s pays off in your 30s, usually in the form of higher income and a better sex life (usually). The stuff you do in your 40s-50s can break you if you make mistakes but if you make it past 50 in good physical shape, the rest is cruising and it's like you get to have an extra active decade. The difference between still being able to do a lot of stuff in your 60s or being just plain old.

With kids, your main thing is dealing with sicknesses they don't yet have immunities for, and injuries. Same with teenagers.