My wife and I are both retired , been retired for over six years . Sometimes my wife takes contract consulting jobs . We have very good friends of ours . He is a truck driver , she is a teacher . They have never planned for retirement he is 71 and she is 55. He called last night and said he is losing his long distance truck driving loads . He has been doing long distance haul for 26 years . The poor guy weighs over 400 lbs has to walk with a walker or mobility scooter. For this reason he is pretty much sunk in his truck driving career . Lucky he made it this far. He called and said his bills are closing in . He said 30k in credit cards , 40k in home improvements and other misc bills . He fell for the solar panel scam , they sold him panels then told him he had to add onto his house to get the full affect of the Sun , then sold him a generator. I want to help these friends , but dear wife said we will not finance them on anything . A lifelong friend I m concerned for them.