My story, Married with kids out of the house and stopped working at 50 years old. No Pension and living off of investment income. No debt and smartest thing I ever did was pay off our house in 8 years and started contributing to a 401k plan when I got my first real job. Wife is excellent at money management. She takes care of checking and bill paying, etc. I manage the investment accounts. Wish I didn't make mistakes but I have and still do today. Still learning about living and enjoying life and plan to share with others by posting and asking questions.