DEAR HARRIETTE: I have been working as a freelance writer for most of my life. I have been able to make a decent living for myself, but I don't have much extra. I had a heart attack a few years ago and have had various other health concerns. As a result, I had to figure out how to get proper health insurance and other support.
So, now I'm looking to retire. I just can't work at the pace I once did anymore. I feel like I will be able to retire if I stay lean in my spending. I guess I'm a little nervous about how my friends will look at me. I am getting some government assistance and hopefully will soon receive Social Security. I'm 65 years old, so I qualify for everything I will be getting, but I worry that my friends will think I am trying to take from the government even though I have paid in with all my taxes and everything for my whole life. How can I reconcile these feelings? -- Ready to Retire, New York City
DEAR READY TO RETIRE: Your true friends should be happy for you that you were able to overcome your health concerns and be able to retire with enough money to take care of yourself. You should make a mental note about anybody else with sharp opinions about your circumstances. They should not be in your inner circle and have no need to know details about your retirement. Surround yourself with people who are compassionate and practical.