Ivinsfan, It's a holiday weekend the OP could be away. Vacation? Apartment hunting? OP probably couldn't get much done with many offices/resources being closed. Maybe OP doesn't have Internet access?
From the things that the OP has said about him/herself (lazy, etc.) and others (Geez, read his/her first post, OP is shocked at this forum. We had all the breaks.), I don't see any point in giving him advice. Besides, he/she has been given the same information over and over. There are other threads on this forum where many of us have talked about family and friends that don't save and blame others. If this is a real person OP wasn't forced to retire, OP did it to him/herself.
From the things that the OP has said about him/herself (lazy, etc.) and others (Geez, read his/her first post, OP is shocked at this forum. We had all the breaks.), I don't see any point in giving him advice. Besides, he/she has been given the same information over and over. There are other threads on this forum where many of us have talked about family and friends that don't save and blame others. If this is a real person OP wasn't forced to retire, OP did it to him/herself.