When I look at my mom (in her 80s) one difference that I see between her and (unfortunately perhaps) me is that she just doesn't have all that many "wants." She never had cable TV and doesn't miss it. She never had a cell phone and doesn't miss it. She isn't someone who has to have the newest, greatest thing. I know that I tend to like new "gadgets" and when I see some cool new product, I tend to want to have it. She doesn't. So, she has most everything she really wants and doesn't need to spend that much money.
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