As a senior citizen, upon an analysis of my work life, and income from working, I have concluded that I was foolish and irresponsible. As I received raises in pay, I often “grew” my “so-called” needs. Of course, there were occasions when I truly needed the increases in income. However, more often than not, my green desires for things grew. I was overly concerned with wants as opposed to needs. I wish readers the wisdom I lacked. Look ahead to your future. I don’t want you to be as financially challenged as I am.