I learned long ago to pay off everything before I retire and sock every possible cent in to savings since I had no husband or children. My home and car are paid off so all I have is monthly utilities, food, etc. I still work a few days per week so that pays for my monthly needs. I put my SS check immediately into savings.
“I put my SS check immediately into savings.”
I start SS in another few months. That’s right where mine is going, too. Saving/Investing. :)