Seniors Share Their 22 Favorite Retirement Hacks

Not every restaurant offers senior discounts. But here are some of the better ones we've found (note: some of these are subject to individual restaurant participation.)

Burger King: 10% senior discount. Plus occasional drink specials.

McDonalds: Discounts on coffee and drinks.

Wendy's: A free drink (some locations offer a 10% discount)

White Castle: 10% off for 55 and over.

Sonic: 10% discount.

Subway: 10% discount.

Applebees: 10% senior discount.

IHOP: Special senior menu, with a 10% discount.

Denny's: Special senior menu with discounted prices.

Golden Corral: ages 60 and over get a discount.

Outback Steakhouse: 10% off for AARP members (so get that AARP card!)

Walmart: does not offer ongoing senior discounts, but they frequently offer a lot of promotions on their website.

Amazon: Medicaid cardholders can get an Amazon Prime membership at a rate of $5.99 a month, as opposed to the full price of $12.99 per month.

Please do not assume your Social Security is accurate. You will get a statement every year, and we encourage you to check it.

Remember, your Social Security benefits are calculated from the average of your 35 highest-earning years. Even one or two years wrongly reported could really throw things off. Look at your old tax returns, figure out your 35 highest years, and make sure you get every penny coming to you.

Report any errors to www.ssa.gov.

Problem: Winters are brutal. The frigid, raw cold outside seeps into your house and makes it feel like an icebox. If you don’t want to wear layers of clothes, you end up doing what most Americans do. You “suck it up” and waste tons of money on heating bills.

Solution: Top Heat

Top Heat is an innovative heating technology you can bring into your own home. With PTC convection ceramic heating technology, it uses less power, making it more energy – efficient than other heating solutions. Top Heat comes with built-in safety features. It shuts off automatically when it gets too hot or it falls over. You can use it all day and night without worry around your kids, pets, or furniture.

Top Heat is a very sleek and wonderful addition for your home. Fully portable and outfitted with adjustable settings, Top Heat helps you and your family stay warmer, one room at a time!

There is an awesome Home Warranty Program called Choice Home Warranty. It augments your homeowner's insurance by covering things like refrigerators, the furnace, ceiling fans, and more. Everything a senior doesn't want to fix anymore.

The best part is, you can buy this no matter how old your home is.

Better still, you can get your first month free. So check it out, seniors.

Every state in the country has a property-tax benefit for seniors (bet you didn't know that!)

Some states freeze seniors property taxes, others limit how much they can go up, and so on. But if you're a senior, you can save.

In addition, the "homestead exemption" may increase for seniors, depending on your state. To give one example, Colorado seniors 65 and older can exempt up to half of their residence's first $200,000 in value.

There is no one-size-fits-all website to check this. However, we can tell you the place to start is at your local township's website. At the least, call them and speak to the Town clerk or equivalent.

For a neighborhood hardware store, you can't do better than Ace Hardware. Friendly service and a great selection are reasons enough to shop there. But an even better reason for seniors is most locations offer a 10% senior discount on most items. Be sure to ask for it!

Lowes salutes you! All active military and veterans (as well as their spouses) get an instant 10% discount on all in-store purchases at Lowe's.

This should make your shopping choice easy if you are looking for tools, appliances, or anything else Lowes sells.

The increasing price of electricity must be worrying us as consumers. MiracleWatt provides the opportunity for you to save up to 90% on your energy bill. That's a phenomenal savings and makes it easy to understand why Big Energy wants this device hidden from consumers for good.

MiracleWatt is a great gift because it will save everybody who receives it a ton of money!

Learn More »

The most popular cell carriers offer special discounts to senior citizens. Here's what we found:

AT&T: They have a special "Senior National Plan" for those 65+. At this writing, it comes with 200 Anytime Minutes, Mobile to Mobile Minutes, and 500 Night and Weekend minutes, without roaming charges. The price? $29.99 a month! They also have a 55+ plan for those who want to use their phone more.

Sprint/T-Mobile: Offers an "Essentials Unlimited 55+" plan, as well as other senior plans.

Verizon Wireless: Verizon Wireless offers a special nationwide unlimited talk and text plan to customers 55 and older. It's $60 a month for one line, which is pretty sweet for unlimited 4G.

Consumer Cellular: Consumer Cellular offers AARP members who are 50 or older a 5% discount, and other exclusive savings. You also get discounts on accessories.

If you struggle with inconsistent hearing, difficulty hearing or any other hearing issues, the Atom is designed for you!

The Audien Atom is the most premium, discreet and affordable hearing aid around. The 20 hour battery life means you can go about your day and not worry about charging. All day comfort and a near invisible design means you'll forget you are even wearing hearing aids. Try them today and hear the difference!

Give the gift of stress relief this year with Nuubu! Stress can take its toll on our bodies, leaving us feeling tired and spent. The Nuubu foot pads are made with a special blend of herbs that work with the acupuncture points in your feet to help purify the body.

After using Nuubu you'll feel less stressed, have better sleep, and even notice some anti-aging properties! And all you do is sleep with the foot patches on your foot overnight. The process couldn't be easier!

Airlines are great at offering senior discounts. Here are a few of our favorites:

Southwest Airlines: There are several discounts they offer for those 65 or over. It depends on "where and when" you are traveling. Check their website to see what's available to you.

United Airlines: Check out united.com for special senior rates on select destinations.

American Airlines: When you book on American, be sure to choose the "65+" option (assuming you're 65 or older of course!) But you'll get a discount.

Several drug chains and other companies offer senior discounts.

RiteAid: They have a Wellness 65+ program for seniors – it includes free consultations, and discounts up to 20% on Wednesdays.

Walgreens: They tie senior discounts in with their myWalgreens program. It's free to join, so it's definitely worth checking out.

RxFreeCard: This pharmacy discount card offers discounts on almost all medications (even pet medications!)

Atera Spas: Who doesn't want a relaxing spa in their home? Atera offers healthy senior discounts – check them out if you are looking for a spa.

AARP prescription savings: If you haven't already, just join AARP, ok? Even just for the prescription discounts. You can save up to 61% on FDA-approved prescriptions.

If your joints hurt, run (well, click) to claim your free 2-week sample of Instaflex Advanced.

This is no joke: Instaflex Advanced has become the top selling joint pain product at both GNC and Walgreens. That's because it works – thousands of seniors are enjoying a pain-free life because of this great product.

But don't take our word for it. We've discovered the manufacturer is giving away free 2-week samples to seniors who want to try it. Take advantage of it!

Biden’s stimulus spending is adding trillions to the economy, which will devalue the dollar and your IRA/401k. But you can protect your retirement from Biden’s plans with gold, known as the best hedge against inflation. Protect and grow your IRA/401k with gold. Get your free gold investment guide today.

There are plenty of grocery stores that offer senior discounts. Most of them tie them to a special day, so pay attention and save!

American Discount Stores: Those 62+ save 10% every Monday.

Bi Lo: 5% off on Wednesdays for those 60 and over.

ShopRite: Some stores offer a 5-10% senior discount on Tuesdays and Wednesdays. Call your local store to find out if they participate.

Fred Meyer: Senior Discount: The first Tuesday of each month is senior day (55+), with 10% off (and sometimes even 15%)

New Seasons: Offers 10% off to those 65+ every Wednesday (for most items). Oh, Tuesdays are 10% off for military – sweet!

Have you had no tickets in a year? How about no DUI's? Then you should get some big insurance discounts.

The trouble is, your current insurance company won't tell you this. But if you compare insurance companies side by side, you can save big.

Comparisons.org is a free service that lets you compare car insurance rates in your state and zip code. And switching is as easy as clicking a mouse. So if you find a lower rate, you can switch, and your old company will refund you the unused premium.

Most people who use comparisons.org can save up to $500+ a year. Not bad for a free service that takes two minutes. Check it out.

Are you tired of paying fees for a Timeshare you don't use? Worried about passing those fees and troubles on to your loved ones? If so, now is the time to legally and securely cancel your timeshare.

Just enter some basic info for a free consultation with a professional who will help answer all your Timeshare Exit questions!

Here are some great health and beauty related discounts for seniors:

Great Clips: Seniors can save $2 or more on a Great Clips haircut.

Supercuts: Also offers a $2 senior haircut discount.

MasterCuts: Offers 20% of all services Mon-Thur (must join their free seniors club).

Silver Sneakers Fitness: Senior Discount: Participating locations give free memberships to seniors. If there is one in your area, check it out.

YMCA: The good old YMCA offers a discounted membership for those 65 and over

The burden of debt can be a big one to carry, especially so for seniors. Ever increasing living costs combined with interest rates that exponentially increase your debt can be overwhelming. With all these factors, you could end up with an inability to pay your debt and an ever increasing pile of it!

Americans who have $24,000 or more in credit card debt could settle their credit card debt through this ‘Debt Relief Program’, allowing them to substantially reduce their debt in a short period of time, compared to making minimum monthly payments.

If you have $24,000 or more in credit card debt, we strongly advise you to check out this program to get rid of your debt!

Keep all your memories safe with ThePhotostick Omni. This little attachment looks like a regular USB drive but is so much more than that! ThePhotostick Omni contains a powerful program that will find, download, and safely store all your photos and videos on any device.

It's safe to say, if you have life insurance or don't, your worried about your family's future. Either way, you should head on over to AIG. AIG offers $250,000 of Term Life Insurance Coverage for as low as $14 a month!

AIG is free to check out and it takes all of two minutes to get a free quote. So if life insurance is on your mind, check it out.