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We've been retired for 20 years now, DH is 71 and I'm 70. He worked for an employee owned company so we had company stock that we were required to sell back to the company upon retirement.

We have no IRAs or 401K or anything, just formerly the company stock that we in turn invested with a "hot shot" financial planner. After 2 major downturns we kicked him to the curb and started doing our own investing. Made a few mistakes along the way, but we're happy with the way things are set up now.

DH is also Vietnam vet, 100% P & T.
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