Pension Deficit Disorder
When people around you start to retire and you come to the awful realization that, despite a lifetime of working you have no money saved and no plan for your financial future other than work. In other words, the closest thing to retirement in your future is death.
"Honey, we won't be relocating to North Carolina after retirement next year. I've been diagnosed with a pension deficit disorder, and I'll be working until I die instead. Maybe you can relocate after you collect my life insurance payout..."