as blockoman said; when im 70.
if i want to feel bad for my life then, i can. and i can make my apologies, i actually have something to donate. i actually have something to retire from and wash my hands of evil.
the man of faith with nothing has nowhere to go but down. if he wants to atone and fear god; all he can do is grovel in self shame. he cant even repair a life at 70.