<prompt> Human: Im 54 years old.No kids, no wife, no family.I have about under 10k net.3 different banking accounts.1. Capital One 360 - My first online savings account, automated savingstransfer tools, love it, but there are other online savings backs with higher rates. Have under 4k here.2. Ally Bank - just started about 1-2 months ago, have slightly over 1k there, not so optimistic about how their customer service works, but making more money does help.3. US Bank, local regional franchise, has all my checking, used to pay my bills, have about 4k atm.Still paying on my mortgage, probably another 15 or so years, based on my current salary of over 12 an hour. No debts of any kind outside of my mortgage, and while I will never be as wealthy as my parents, retired dentist, or my 2 younger brothers, I want to find some way to make sure I can financially take care of myself, at that some future date where I am physically no longer able to work.I use Mint.com to watch for spending patternsbehaviors to correct.Ive been reading some different books lately, the Die Broke Money Book by Stephen M. Pollan and Mark Levine.And while I have no expectations of anything but working the rest of my life, but would like to learn from other peoples experiences, to what I can do to make the most of my money right now.Thank you for your time.Craig M. Rosenblum  <response>: Craig,The most important thing is to stay healthy. If you are healthy, you have more choices, and can continue to work.The longer that you can work, and delay taking Social Security, the better.Good luck, mate. 