I am now retired, however I used about half of these tips. Thirty years ago I put $300.00 in my checking account to avoid fees.  I have never paid fees. I also pay forward as shown above.

Yes, I believe that we should have control of our life. It is the quality of life that counts.  It is not for me to judge the twin's choice.  Being deaf was probably a lot to bear, although they could still have a good life.  To add blindness to their life must have been too hard to bear.