An elderly man, in his 80s, goes to the doctor for his annual check-up. After a thorough examination, the doctor looks up and says, “Well, Mr. Johnson, I have to say, you’re in excellent shape for someone your age! You’re doing everything right.”

The old man beams and says, “I feel great, Doc. I actually feel like I’m in my 60s.”

The doctor smiles and says, “That’s amazing! What’s your secret? Do you work out regularly? What’s your exercise routine like?”

The old man leans back in his chair, grinning mischievously. “Well, Doc, I’ve got a very strict routine. Every day, I take a walk around the neighborhood. I start with a nice brisk 20-minute stroll… then I stop at my neighbor’s house.”

The doctor raises an eyebrow. “Oh, that’s interesting. What do you do at your neighbor’s house?”

The old man winks and says, “I knock on the door, and when they answer, I say, ‘Hey, could you help me carry that heavy box in the garage?’ or ‘Can you reach that thing on the top shelf for me?’”

The doctor looks puzzled. “That doesn’t sound like typical exercise. But I’m sure it’s helping you stay active. So, what happens next?”

The elderly man continues, “Well, after they help me out, I give them a big smile and say, ‘Thanks so much! You’re such a good neighbor. I’m going to give you $50 for your time!’”

The doctor laughs. “Wait a second, that’s not right! You don’t actually give them money, do you?”

The old man chuckles and says, “No, no, Doc. I walk away, feeling like I saved $50… then I tell my wife, ‘Guess what? I just saved 50 bucks today by not hiring a mover or a handyman!’”

The doctor, now genuinely amused, says, “That’s quite a creative way to get a little exercise, but I think you’re missing the point of a retirement plan. You’re supposed to *save* your money, not give it away to your neighbors!”

The old man grins and says, “Oh, Doc, I am saving my money! Every time I get them to help me, I’m saving $50, and I get a good workout! You know what they say: ‘A penny saved is a penny earned.’ Well, I’m just saving a lot of pennies — one heavy box at a time!”

The doctor laughs heartily and says, “Well, I can’t argue with that logic! But just remember, Mr. Johnson, you might want to consider spending a little more on professional help, so you don’t wear out your neighbors too much. You don’t want to end up with a bunch of angry people chasing you down the street with their own ‘retirement plans’!”

The old man chuckles and says, “Don’t worry, Doc. I’ll start offering *them* $50 to carry my boxes next time. That way, I’ll still get my exercise… and my neighbors can start saving for their own retirement plan!”

**Moral of the story**: As we age, it’s the little things that keep us laughing — like finding a clever way to save money while getting some unexpected exercise. And remember, sometimes a good neighbor is the best retirement plan!