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This as-told-to essay is based on a conversation with Cheryl Fellenz, 81, a retiree who lives on a houseboat off the coast of southern Maryland. She is one of thousands of older Americans who have shared their financial, career, and retirement stories with Business Insider. This interview has been edited…

This as-told-to essay is based on a conversation with Mira Armstrong, a 92-year-old from Porepunkah, Australia. It has been edited for length and clarity.I built my home with my husband, Bruce, in 1956. Now that I’m 92 years old, I still live independently. I hope I croak it here.I was…