Your children may comfort you with words like, “You’re only as old as you feel,” but the fact is, everyone ages. The senior years – also known as the Golden Years – bring challenges. Of course, as youth, the road of life stretches out way ahead with lots of time to think about old age and related issues at some later date. In the middle years the focus is on raising the family, obtaining the things you need and desire and working toward retirement. Before you know it, time has passed and if you haven’t begun to plan your senior years, you are there and know that you can’t procrastinate any longer.