I am where now you want to be. If you do all of those things, you will be, too. Most important: “I promise to get out of debt”. That gives you options for everything else. Also, finding the right partner helps. I was broke at age 52 and headed downhill again when I met my wife. She has a lot more sense and showed me how to turn everything around. Now, we dance for 2 hours every night on the square in The Villages, FL and went on a Viking cruise in Europe last year. I am taking piano classes. The guitar did not work as a group class, so I will do it privately next year. She has researched her family clear back to Italy. In other words, we do about what we want as long as it is within budget. So, hang in there.