I am over 60 retired and I can tell that it won't matter how much you have set aside if your, "identity is stolen."
Five years ago mine was stolen and four credit cards were taken out in my name, maxed out and my bank account emptied, by someone I knew and this person was in the banking business for 20 years and even being friends with the local Chief of Police, knowing who did it and how, was no help because of the use of computers, and knowledge of the systems. I did manage to get out of the thousands and thousands, in credit card bills but there was never an arrest or recovery of a penny.
My credit report is still screwed up years later.
So be careful with papers and all important information like your mothers maiden name, and don't for one minute think I love you means anything more than I would love to have your money.