IF ? Your the one who claims to know it all . While it's none of your business , I haven't been retired that long.  No one worked harder than me---again , you don't know this ?   My beef is with those who have their hands out who didn't work , yet want free stuff. The one's who sit on their rear ends because they figure they can get more by doing nothing and not working .  As for Christian charity , you ought to look in the mirror  . I'm living the dream because I earned it.  Hang in there kid , you might get there someday too----if your willing to work for it .