1. Focus on enjoying people, not on indulging in or accumulating material  things. 
  
2. Plan to spend whatever you have saved.  You deserve to enjoy it and the few 
     healthy years you have left.  Travel if you can afford it.  Don't leave anything for
     your childred or loved ones to quarrel about.  By leaving anything, you may even 
     cause more trouble when you are gone.

3.  Live in the here  and now, not in the yesterdays and tomorrows.  it is only today
     that you can handle.  yesterday is gone, tomorrow may not even happen.

4.  Enjoy your grand children (if blessed with any) but don't be their full time baby
     sitter.  You have no moral obligation to take care of them.  Don't have any guilt
     about refusing to baby sit anyone's kids including your own grand kids.  Your
     parental obligation is to your children.  After you have raised them into responsible
     adults.  Your duties of child rearing or baby sitting are finished.  Let your children
     raise their own off-springs.
  
5.  Accept physical weakness, sickness and other physical pains.  It is a part of the
     aging process.  Enjoy whatever your health can allow.

6.  Enjoy what you are and what you have right now.  Stop working hard for what you
     do not have.  If you don't have something.  It's probably too late.

7.  Enjoy your life with your spouse, childred, grand children and friends.  People who
     truly love you.  Love you for yourself.  Not for what you have.  Anyone who loves you
     for what you have will just give you misery.
    
8.  Forgive and accept forgiveness.  Forgive yourself and others.  Enjoy peace of mind
     and peace of soul.  

9.  Befriend death.  It's a natural part of the life cycle.  Don't be afraid of it.  Death is 
      the beginning of a new and better life.  So, prepare yourself not for death but for
      a new life with the Almighty. 
       
10.  Bottom line.  Protect and establish yourself first.  Financially and health
        wise.  Only you can help yourself.  Life is short.  Enjoy life while healthy
        and can walk.

Final Thought: