I always encourage everyone to do and I constantly do myself: Have a conversation with the 65 year old you. If you had this conversation, what exactly would your 35 year old self say to your 65 year old self or vice versa? What would you talk about? Probably the most important thing you could ever talk about: money and living situation.

So you are now 65 years old and you've worked your whole life and are ready to retire. Retirement is not the end of life, but the end of a work era where you can finally relax and enjoy the life you've worked to have. You are now eligible to collect social security and if you've done everything right up to this point, including paid off your mortgage, have no debts at all, you could probably live off your social security benefits and mostly be fine.

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