Posts written by
Harley Gill
Harley Gill writes about retirement, personal finance, and everyday life after 60, with a focus on helping older adults make practical, confident decisions. His work covers retirement planning, Social Security, budgeting, lifestyle changes, relationships, independence, and the small choices that can shape life in later years. Harley prefers clear, straightforward advice without unnecessary jargon or fear-based messaging. He believes retirement is about more than money, so his articles also explore purpose, routines, family, health-related planning, and enjoying greater freedom while staying prepared for the years ahead.
The Gradual Exit: What a Three-Year Glide Into Retirement Taught Me
Retirement sounds wonderful until the day a familiar paycheck, schedule, and sense of purpose disappear. Many people spend decades preparing financially, yet give little thought…
The Real Cost of ‘Cheap’ Places to Retire
A $180,000 house in a quiet retirement town can look like the answer to every money worry. Lower home prices, cheaper groceries, and the promise…
5 Retirement Withdrawal Strategies Compared — and How to Pick Yours
Retiring with a healthy investment portfolio does not automatically mean your money will last. The amount you withdraw, when you take it, and how you…
The Spousal Social Security Rule That Can Mean Thousands for Married Couples
Most married couples assume Social Security works in a straightforward way. You spend decades working, reach retirement age, and collect the monthly benefit you’ve earned.…
Saver, Spender or Worrier? The 5 Retirement Money Types — and Their Blind Spots
Two people can retire with exactly the same amount of money and experience retirement completely differently. One might feel comfortable booking vacations and enjoying life,…
Is 65 Still the Right Age to Retire? Why Some Planners Say No
For generations, turning 65 has represented the finish line of working life. You spend decades earning a paycheck, saving what you can, and imagining the…
Starting a Small Business After 60: 10 Ideas With Low Startup Costs
Starting a small business after 60 can be one of the most rewarding ways to earn extra money, stay mentally active, and create a new…
When the Family Visits Stop: How One 101-Year-Old Built a Full Life Anyway
At 101, Evelyn Carter had learned to live with many things. She had buried her husband, watched old friends disappear, and adjusted to a body…
What Your 401(k) Is Really Costing You: 13 Fees Worth Checking
You may have spent decades putting money into your 401(k), watching your balance grow, and believing that every dollar was working toward your retirement. But…
Giving Your Kids Their Inheritance Early: 12 Things That Can Happen
Giving your children their inheritance while you’re still alive can feel like one of the most meaningful financial decisions you’ll ever make. Instead of leaving…









