@Mallard4468 posted:You left out one thing from the handbook - whenever you encounter someone who is still working, be sure to thank them for paying for your Social Security. This is especially effective for bonding with younger people who are convinced that they'll never see a dime from SS.
At one time, I thought I was never going to see a dime. Now I am getting back some that I put in for 45 years. 😉