I am looking forward to retirement however I probably wont be able to afford that financially. In my youth I did not plan for this. My wife and I are in our early 60's and I hope to live long enough to start getting at least 70% of my SS retirement. When that happens I will have to be careful how much I earn because they penalize you for earning too much. Who cooked up that scheme anyway? One day at a time for us I guess. Loved the article.