How a (limited group) can save a bucket of money ...
Just quit smoking.
"Just", he says.
No, it's not.
But - it's wprth it.
Ask someone carrying an oxygen bottle with them as they walk in their hospital gown down the hospital corridor ...
... on their way outside ...
... to have a smoke.
It's one of the worst/most serious addictions.
But it's worth it to quit.
My family has weak lungs.
I started to smoke at about age 16.
After six months or so, liking neither the taste nor, being frugal (as we all were, back about 1940), the cost - I quit.
Now, enjoying good health at age 75, I'm really glad that I had common sense enough to do that.
I prefer being above the grass to the alternative - which is where I'd probably be, had I continued smoking.
I hope that each of you is able to enjoy similar good health through a number of years of retirement. With a whole bunch extra money to do it in style.
Hope you're around to enjoy grandkids, friends, etc. when you have that extra time available to enjoy them well. And maybe help with their education, getting started in business, downpayment on a home, etc.