See this one? The headline screaming that health care costs for a couple retiring this year will total somewhere around $225,000 throughout their golden years? I'm sure some broke people will feel wedgied up over that one, but not me. I'll be coasting through my last 10 or 20 birthdays. And you know where I learned about saving from? My granddad.

That's right ... old J.D. lives in Columbus, Ohio and is pushing 90. He beat the streets as a mail carrier for a few decades (never making big bucks, just knowing what to do with it) and used to save his tips from a side job at the horse track for the whole year to buy us Christmas presents. He fought in WWII and had a wife and son die on him.

But he's still plugging along because he never got the "poor me" attitude. He kept happening to his life and his money, and when he called it quits at age 65, he got a big slice of dignity to go along with that retirement of his.

As far as he cares, health care costs can shoot through the roof if they want ... he can handle it. Why? Because he let his dough know who was in charge. When you're worth 7 figures, then shelling out 225k for doc bills is like a walk in the park on a sunny day with balloons, baby. Start saving now and start cruising later.