I'm 74. A retired old geezer with a great wife. I fly fish with Spey Rods re my sign on. My wife and I enjoy kayaking in our Hobie Kayak for two, the Oasis. I have two fly fishing kayaks made by Freedom Hawk. We have two great adult sons and like their parents, they feel no one is entitled to anything. Both of them have held good jobs with two different companies during the great Pelosi/Reid recession and have received promotions and good raises during that time. We have two great grandkids and a wonderful DIL. My bride of 52 years still works one day a week as an office nurse. I have been managing our IRAs and 401k's for close to two decades. After early retirement from a big Pharma company, I did consulting as an independent contractor until I turned 62. To pay our taxes, I put every other check into a tax escrow account. I netted about 44% after taxes. When, I turned 62, our CPA advised me to fully retire, take early SS and really learn how to manage our retirement accounts. I did and it was a good move.