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.
When Your Grown Children Stop Calling: What to Say to Reopen the Door
There is a particular kind of loneliness that comes when your grown children stop calling. You check your phone, hoping to see their name, but…
What It Takes to Reach the Top 1% of Retirement Income
How much retirement income does someone need to be considered wealthy in America? Is $60,000 a year enough to live comfortably, or does financial success…
Taxable, Tax-Deferred or Roth: The Order to Draw From in Retirement
Retirement changes how money enters your bank account, but it does not remove the need to manage taxes. Choosing the wrong retirement account for a…
Why Spending More in Your 60s Can Be the Smart Retirement Move
For decades, Americans have been taught that a successful retirement means saving as much money as possible and spending as little as necessary. But what…
Permission to Spend: 11 Rules for Enjoying Your Money in Your 70s and 80s
You spent decades working, saving, and watching your retirement accounts grow. Now you’re in your 70s or 80s, and something strange happens. You have the…
6 Kinds of Retirees — and the One That Seems Happiest
Two people can retire at the same age, have similar savings, and end up living completely different lives. One spends every morning relaxing at home,…
11 Everyday Abilities That Set Active 70-Somethings Apart
Turning 70 does not mean life has to slow down, but some everyday tasks can become harder with age. Walking through the grocery store, managing…
The ‘Frugal’ Habits That Keep Some Retirees Comfortable for Decades
Some retirees seem to make modest savings last for decades, even as groceries, housing, and healthcare become more expensive. They are not necessarily wealthy, and…
Retired at 58 With a Seven-Figure Nest Egg: 12 Lessons I Didn’t Expect
Retiring at 58 with more than $1 million sounds like the point where money worries should disappear. Denis Short expected financial freedom, slow mornings, more…
What Dating in Your 70s Really Looks Like — 13 Lessons From People Living It
Dating in your 70s can feel surprisingly familiar and completely different at the same time. There is still excitement before a first date, disappointment when…









