You are not old.............you are not even able to collect Social Security yet. Ya gotta be 62 youngster.
I am not old, I am just a few years ahead of
you and able to collect Social Security/Railroad Retirement, which is not that much, but it does pay the bills. You must have a real job. I do not envy you,
I like being retired at this juncture.........now that I can ride.