When ‘D’ retired, his house and car were paid for. He retired at 62 with visions of golfing and fishing, however he had not saved a dime towards retirement and is living on social security only — $1100 a month. Not a fortune but with no house or car payment, livable if your tastes are not too high. At age 63 he got a part time job to make ends meet, by age 66 he was working full time while still collecting Social Security and asking oldest brother and myself for loans, which we both denied. I saw an email from oldest brother to him asking if he had a gambling problem but never saw an answer and a few months after that our oldest brother died.