[gatotom]

Retirement secrets??? there are none.

After 33 yrs doing what I do with people that have retired 20-30 yrs ago, it's the inflation that eats you up. What you last made as a yrly income before you retire might make ends meet if you are frugal.

Myself, at 67, SS is a nice bonus, the medicare cost is wonderful. My wife at 62 is still paying 900 plus a month for health care, in four yrs she will hang it up. We will be fine.

Our biggest expense is the boat for sure but is to our liking so it will stay, my youngest son will get it when we are done with it. Have a ton of places to go to in the NW, all by water. The nice thing about sailing is that it does not add to the congestion already on land.

Being self employed most of my life, I live by the sword so I will die from the sword, enough said. Live in the present, the past is over the future is unknown.