It is time to use the money you saved up. Use it and enjoy it.  Do not just keep it for those who may have no notion of the sacrifices you made to get it.  

Remember there is nothing more dangerous than a son or daughter-in-law with big ideas for your hard-earned capital. Warning: This is also a bad time for investments, even if it seems wonderful or fool-proof. They only bring problems and worries. This is a time for you to enjoy some peace and quiet.

Stop worrying about the financial situation of your children and grandchildren, and do not feel bad spending your money on yourself. You have taken care of them for many years, and you have taught them what you could. You gave them an education, food, shelter and support. Their responsibility is now to earn their own money.

Keep a healthy life, without great physical effort. Do moderate exercise (like walking every day), eat well and get your sleep. It is easy to become sick, and it gets harder to remain healthy. That is why you need to keep yourself in good shape and be aware of your medical and physical needs. Keep in touch with your doctor, do tests even when you are feeling well. Stay informed.

Always buy the best, most beautiful items for your significant other. The key goal is to enjoy your money with your partner. One day one of you will miss the other, and the money will not provide any comfort then, enjoy it together.

Do not stress over the little things. You have already overcome so much in your life. You have good memories and bad ones, but the important thing is the present. Do not let the past drag you down and do not let the future frighten you. Feel good in the now. Small issues will soon be forgotten.

Regardless of age, always keep love alive. Love your partner, love life, love your family, love your neighbor and remember: “A man is not old as long as he has intelligence and affection.”

Be proud, both inside and out. Do not stop going to your hair salon or barber, do your nails, go to the dermatologist and the dentist, keep your perfumes and creams well stocked. When you are well-maintained on the outside, it seeps in, making you feel proud and strong.

Do not lose sight of fashion trends for your age, but keep your own sense of style. There is nothing worse than an older person trying to wear the current fashion among youngsters. You have developed your own sense of what looks good on you – keep it and be proud of it. It is part of who you are.

ALWAYS stay up-to-date. Go online and read what people are saying. Make sure you have an active email account and try to use some of those social networks. You will be surprised what old friends you will meet.

Respect the younger generation and their opinions. They may not have the same ideals as you, but they are the future, and will take the world in their direction. Give advice, not criticism, and try to remind them that yesterday’s wisdom still applies today.

Never use the phrase: “In my time.” Your time is now. As long as you are alive, you are part of this time.

Some people embrace their golden years, while others become bitter and surly. Life is too short to waste your days on the latter. Spend your time with positive, cheerful people, it will rub off on you and your days will seem that much better. Spending your time with bitter people will make you feel older and harder to be around.

Do not surrender to the temptation of living with your children or grandchildren (if you have a financial choice, that is). Sure, being surrounded by family sounds great, but we all need our privacy. They need theirs and you need yours.  Even then, do so only if you feel you really need the help or do not want to live by yourself.

Do not abandon your hobbies. If you do not have any, make new ones. You can travel, hike, cook, read or dance. You can adopt a cat or a dog; grow a kitchen garden, play cards, checkers, chess, dominoes, golf. Try to get out of the house – meet people you have not seen in a while, experience something new (or something old). The important thing is to leave the house from time to time. Go to museums, go walk through a park. Get out there.

Speak in courteous tones and try not to complain or criticize too much unless you really need to. Try to accept situations as they are.

Pain and discomfort go hand in hand with getting older. Try not to dwell on them but accept them as a part of the life.

If you have been offended by someone – forgive them. If you have offended someone – apologize. Do not drag around resentment with you. It only serves to make you sad and bitter. It does not matter who was right. Someone once said: “Holding a grudge is like taking poison and expecting the other person to die.” Do not take that poison. Forgive, forget and move on with your life.

Laugh. Laugh away your worries.  Remember you are one of the lucky ones. You managed to have a life, a long one. Many never get to this age; never get to experience a full life.

Add Years to Your Life and Life to Your Years! You Can Do It – Choose It Early!! Ask me how?    

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