RE:50/50I agree i am one year behind you at 64.
Stiil working because i like my job.
I have cash on hand as well as Gold,Silver and more Gold stocks.
I am patiently buying on the dips and awaiting the commodity rally which will happen.
Two emotions rule the market Fear and Greed....right now it is Fear.
Stay the course and those who are patient will be rewarded.