The third phase of life begins just before retirement and includes the lose of one’s siblings, the death of your spouse and the separation from one’s work colleagues. That is where I am at now. I discovered, much to my surprise, that I am at the age where I can collect full social security benefits. I was also told that I may be losing one of my siblings sooner than I had expected. And I cried off and on. It is difficult to have someone as your main support over almost 70 years and then face the possibility that person may no longer be around. In pre-retirement, collecting social security while still working seemed appropriate. Paying off bills and creating new investments while paying off debts seems like a realistic plan. I expect to live well into my 80s so I need a means of making money that won’t involve working all those years. I don’t intend to be anyone’s Walmart greeter. I will be working on the computer and talking with retirement experts to make this happen.