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I will be 68 this month and still working. I shop local whenever I can and never on credit.

I use Amazon for bulk purchases like laundry and cleaning supplies, furnace filters, vitamins, my Sumatran coffee, my wifes gluten free goodies and other stuff that I can’t find local. For that I use an Amazon points card. It is set on auto-pay in full. I’m also a Amazon Prime member for the free shipping.

I travel a lot for the people I work for so I have a Delta branded American Express. It costs $250 year. I use it for bigger items instead of cash. I might as well get miles for money I was going to spend anyway. It also gets me into the Delta lounges for $35. Free food and booze and a quiet place on a long layover is priceless! It is also auto-pay in full.

My pay is split between two checking accounts with the same bank.

One is for auto pay of set bills such as car payments, insurance, cell phones, internet and my Amazon card (which is pretty steady). The cars are paid for now so I’m reducing the amount.

I’m maxed out on my 401K and put a chunk onto Telco Federal Credit Union every 2 weeks.

I waited until 66+2 months for my SS retirement just over a year ago then got my SS payments rolling in (minus vol withholding).

Since then I’ve spent $45K cash on my house. New siding (Alside Cladding is amazing), new roof & gutters, new HVAC, new front porch and back deck. The house is now ready for my retirement!