THE
FINAL STRETCH
Written by Pam Erwin
Moreton, with comments from Jim “Gymbeaux” Brown
May 26, 2026
DISCLAIMER:
Normally I write the Nuggets I post but sometimes I post what other people have
written, and this is one of those occasions. I can only wish I had written what
Ms. Moreton posted on her Facebook feed; it is outstanding and very much, ON
POINT! Read it and decide for yourself! I have included my own thoughts at
the very end of her article. Please,
read on!
Written by Pam Erwin Moreton
“So… this is the beginning of the final stretch.”
And slowly, the truths I had avoided all my life began to surface.
Kids? They’re busy writing their own story.
Health? Slips away faster than sand through open fingers.
The government? Just headlines, promises, and numbers that never change your daily reality.
Aging doesn’t hurt your body first — it hurts your illusions.
So, I sat down with myself and carved out a handful of bitter but necessary truths.
Children grow, life pulls them in every direction, and you become a memory they visit when time allows.
You smile… and yet something inside you remains strangely hollow.
Kids bring joy — but they are not a shield against loneliness.
Health
is not forever.
You realize health was never a background character —
it was the main pillar holding your life steady.
Retirement
and money
Depending on the system is like standing on thin ice.
Bills grow, needs grow, prices grow… but support doesn't.
So, I rebuilt my life on new rules — honest, sharp, practical rules for living with dignity.
Rule
1: Money is more reliable than
anything else.
but don’t make them your retirement plan.
Save for yourself.
Even small savings create big freedom.
Financial independence is dignity.
Rule
2: Your health is your real job.
Move. Walk. Stretch.
Guard your sleep like treasure.
Eat cleaner. Reduce the poison disguised as sugar and salt.
Illness doesn’t discriminate,
but it respects those who take responsibility for themselves.
Rule
3: Create your own joy.
So, you learn to enjoy the small things —
a peaceful breakfast, a good book, music that warms the soul.
When you know how to make yourself happy, loneliness loses its power.
Rule
4: Aging is not an excuse to become helpless.
And slowly, even those who love them start stepping away.
Strength is attractive.
Resilience is magnetic.
People respect the ones who stay capable, not the ones who surrender.
Rule
5: Let go of the past.
But they’re gone, and there is no return ticket.
Clinging to the past steals the present.
Life today may look different, but it still holds moments worth living.
Rule
6: Protect your peace like it’s your property.
Not every insult needs your response.
Not every relative deserves access to your emotions.
Peace is expensive.
Protect it from drama, negativity, and draining people —
even if they're your close ones.
Rule
7: Keep learning something — anything.
A new recipe, a new word, a new app, a new hobby —
your brain needs movement just like your body does.
Learning keeps you young.
Stagnation makes you old.
You can adapt, rebuild, and rise stronger…
or sit back, complain, and wait for someone to rescue you.
And if ....
No one comes to rescue you ....
Stand up for yourself ...
Because you still can…
And that single truth is enough to transform the rest of your life.”
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As stated in the Disclaimer, I can only have wished that I wrote what Ms. Moreton has written; it is outstanding! For readers of my Nuggets, they know that I cannot help myself because I want to add to something even as good as the above information is and this is no exception.
I turned 81 in 2026, and I can attest that what Ms. Moreton writes about is so true. For me, that would have been over TWENTY years ago and the items she puts forth only increase over time.
The one item NOT itemized is that I believe that you
must acknowledge and plan for the fact that you will live into your 70s, 80s
and even 90s. Therefore, it is my opinion that everyone ought to work to
eliminate all debt that can be eliminated as soon as possible. I am NOT
a financial advisor. I just know that being debt free is more calming than
being in debt! Worrying about how you
are going to pay your bills when the income suddenly becomes less than what you
have thought would never end, can be hazardous to your physical health AND
your mental health. Home loans, car loans, student loans, needless credit card
debt should be paid off ASAP! I learned this lesson late in life thanks to one
simple sentence by Gary Keller, co-founder of Keller Williams Realty
International. "Lead with REVENUES, NOT with EXPENSES!"
Keller would also say if you cannot pay cash for something, don't buy it unless
you absolutely MUST buy it, which is rarely the case. Required dental work would be such an example;
something you cannot put off! A GREAT
tip comes from Joe Tye who coined the phrase, DDQ,
Direction-Deflection-Question. It is simple and works almost every time it
is used. Ask and answer the question. “If I buy this, will it lead to my
goal of being financially independent?” If yes, buy it, If NO, don't! I used this principle to lose weight. “If I eat or drink this item, will it lead to
me achieving my desired weight of ____?”
If yes, eat or drink it. If not, do
not!