Yeah, I retired in July 2020. Not really well-off, but not totally impoverished either. Rethinking things now. About the only good thing was getting a reasonable-rate mortgage in October 2019, though now I wish we had refinanced last year.
Oh well, I’ve been broke before, though it was more fun when I was young.
We re-fi’d Jan 2021 at 2.5%. We actually hit the lowest rate!