The Expat End-Game – (& A Brief Update)


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Author: Reekay

About Me.. In 2011 I made the decision to move to the Philippines within a year. Since 2012 I’ve been traveling through various islands of the Philippines as a full-time Expat. (Mactan, Bohol, Panglao, Moalboal, Dumaguete, Bacong, Boracay, Cebu) I recently spent the year living in Ho Chi Minh City, Vietnam.

Share with me here my ongoing adventures of life in the Philippines. Dating, vlogging, cooking, traveling and sharing the information with you needed to make your own plans for living as a full-time expat in Southeast Asia.
— Reekay

126 comments

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  2. My dad lived to 98; the last two years completely horizontal. The care cost 14k a month US. It’s s got to be cheaper in the Philippines .

  3. If you can afford it I sold everything up in Australia house ect then bought a unit in Australia, I have it rented out by a Real Estate agency so I’ve got something to come back if everything goes wrong in the Philippines but till then Philippines and Indonesia the weather is better for my body actually

  4. I always took the advice of having 10k in a emergency account for such reasons. Also, Phil Health or other health insurance will be considered. Always have a place to stay or visit incase of a serious emergency whether it be health or the outbreak of war. So many things to contemplate but it’s worth it.

  5. When its your time, its your time. Tons of money wont help. Just be happy and good, make life fulfilling.

  6. Hello Henry and hope all is well! In my case, I am bringing my Filipina Fiance here next year to my home in the USA on the K1 VISA and hope everything gets approved. She will also be my “private nurse” as she is a nurse in the Philippines. Take care and stay safe!

  7. The only difference between a phillipina stealing your money and leaving you homeless vs here in the States or Canada, is who does the wallet picking. Both our countries here, have divorce courts that’ll leave you destitute.

  8. Randy and his wife moved from Samar to Guam. Still have the tropical vibe like in the PH but live in a more orderly and organized society.

  9. would love a detailed video explaining health insurance options for expats .. and not only Americans.. im Canadian … your work on that would be appreciated and of tremendous value Reekay ..

  10. Now, you really make great understanding on reality check. I think the main thing is to continue your monthly social security premiums while living in the Philippines. Just in case you need to return to the states. Many seem to drop that portion but, do not know that they will have to pay extra premiums penalties to restart this again. Plus, they may need it right away, if they do not have, it could be costly while waiting. I really like your ideal of sponsoring a college student if you do not want to get married, beside, I believe it would be less expensive. Also, knowing the Philippines, if those students know you are caring about them, they will do the same for you as well as down the line pass on to other friends and relatives that you are a person who cares, so, help him. We all know ages 50s, 60s an a good portion of early 70s, you will or should be in good shape to take care of things. By mid 70s, you should have back up plans. I am so happy that the Philippines really respect and admire elderly more as compared in the states. Thank for this great advice. I am currently age 58, contemplating on retiring in the Philippines, I need all the knowledge I can get. From US Air Force Security Police Military Veteran who was station at Clark Air Base Philippines in 1991.

  11. This is what I’m been thinking for awhile. Great advice. If I get too old I might go back to the US for the Medicare or even live in a assisted living facility in Mexico just near the border only 1/3 of the cost compared to the US and they have all the medicines and equipment to handle things. If it’s really serious the US is just right across the border. Trust me you don’t want to end up in a public hospital in the Philippines if you don’t have the $. It’s over crowded and the doctors are still in training, they make a lot of mistakes especially drawing blood through a needle so they had to start over again while the patient is in agony. and doctors there simply there’s not enough of them. I been there with my father dying in Cebu City. I’m from the Philippines and would love to retire there but I don’t want to get seriously I’ll or bed ridden there.

  12. You do have the best vlogs.
    The news is, China going to take Philippines.
    I hope you make it out soon.

  13. I know of a couple expats that are approaching the endgame and plan to stay in PH until the end because they do not want to be a burden to relatives back home and because they are not close to them anyway as they feel like what is the point.
    Also I hope not to meet anyone like that piece of trash in Duma. Sounds like a real credit to humanity, so guys guard your assets from that innocent smile and long dark hair.

  14. I came to the Philippines to be with my Jen and I have no wish to change that till the end whenever it comes. I am not sure of others but my Jen is 18 years younger than me and doing extremely well in Real Estate as a licensed broker’s agent. Her network just grows year on year and if I get so much as a tummy upset she is like a mother hen lol. Still, as we all should I have thought about end-of-life issues. My worry was always about being a burden either financially or just from physical needs. The only thing I told Jen is if I ever got Alzheimer’s I would say my goodbyes while still able and head back to the UK and let it be the state’s problem. Eventually, I would not even remember my life here in that case. Not sure Jen would let me go but it something I had thought about if ever the situation arose.

  15. Hi Again .how is your Gf (still with you).
    I always coment in others bloggers or expats chats the same issues you went through..
    VERY WELL EXPLAIN VIDEO ..(NOT TO MANNY PEOPLE LIKE TO THI K ON THAT) But that time it always will catch you ..
    Even with monney (are someone in the corect city for a good hospital ,,if you need a operation????
    Are we in God hands with the GF WE HAVE???? Do we trust her totally in the event that she needs to tacke care of us?? Manager awer ATM CARD ???
    Lot of thinking have to be done ….becouse sooner or later we all go that way..
    Very good video..

  16. Left in December after 19 months. Tooo many restrictions; corruption; pollution; etc., etc. No longer any fun since lockdowns.

  17. Important topic. Appreciate your thoughts on this. It’s easy for expats to get health insurance for a very reasonable cost here. Curious what you think about this option.

  18. Your girlfriend or wife might appear to be the one that will stand up for you when SHTF but trust me on this one they can be a complete FAIL! Don’t believe them that they will be Mother Theresa and even show up. Know this from personal experience. Don’t be sold a bill of goods.

  19. My thoughts as a 70 yr. old retired man is and has been was to go and stay in the Philippines OR Malaysia for 7 to 8 months per year. Then return back to the U.S. for annual physician checkups. Then based on predictability return back to the U.S. once I have realized that it was time to go home and stay there until the end. There are finances available to cover most medical costs and I already have a burial plot paid for.

  20. I haven’t moved there yet, but I’m retired US military. I believe they have a VA hospital in Manila that I’ll be able to utilize.

  21. I was wondering about Vi. Many rumors by your critics that Vi is no longer with you. I am happy to hear the two of you are still like a hand in a glove. Best!

  22. I agree with you.however I am 61 years old . sitting around waiting for when I came come to the Philippines.i have been in a nursing home,I would rather die ,than return to the United States.thats my choice.

  23. Interesting topic, thanks Reekay. At my age, one of my major reservations about moving full time to the Philippines, was always the healthcare there compared with the UK. All that has changed here now, with four and a half million people on hospitals waiting lists…..some with serious heart problems or cancer, because they have prioritized Covid patients. My thoughts since last year had been, instead of visiting the Philippines 2-3 times a year, for six to eight weeks, maybe to have six months here and six months there. Less flights, and I can escape the cold Uk Winter. Obviously, that plan hasn’t gone well. Best wishes to you and Vi.

  24. I have just started think about this. I am in my early 50’s and will be able to retire in a few years. The suggestion of hiring a med student or permanent health care worker is a very good idea. I have been trying to hire one for my mother but with the nurse shortage in the US it costs way too much money.

  25. Definitely something for expats to think about and plan for along with funeral arrangements such as where will they be buried.

  26. Everybody should be given the opportunity to end their life peacefully when the quality of life become too low. I would rather die than spend my remaining years bedridden or suffering from terminal cancer.

  27. Assuming you’re living off Retirement Reekay, Before you collected on that, were you doing work to make a living there? Online work for example.

  28. If you dont have the money to stay in the Philippines
    Then you do not have money to live in the USA. The problem is the medical situation here sucks !!! I had a serious shoulder surgery two years ago. I still hurt every day. All day and I have only fifty % use of my arm.

  29. Nail on the head. I hear expats saying they have a “budget” meaning their social security check is their budget. Living check to check. They advise others to have some money saved to get back home but ignore the long term. Generally medical expenses increase with age.

    And I’ve seen a few cases of expats getting into trouble, not having any money and asking others to fund their life choices. If I donate am I help pay their medical bills or am I paying for them having taken a vacation instead of saving money for future problems?

    I was thinking of my old age the past couple of days because I’m trying to figure out whether to sell my US house or rent it out. If I plan to live the rest of my life in the Philippines then I may as well sell it. I am the type of person who doesn’t really care about “will I like the Philippines or not”. Once I decide that’s it. If I don’t like the Philippines I’d better learn to like. I’ve done that several times in my life and it teaches me to adapt. A useful skill.

  30. Exactly,100 % true,in Philippines,everything is money ,in later stages of life ,nothing like our home country,

  31. Very insightful discussion. One overlooked area is how will your caretaker and/or heirs access your funds. Smart people are gradually moving out of the increasingly worthless fiat dollar more and more. At this time the smartest alternative is Bitcoin and other cryptos to maintain your wealth. The problem is that getting your money back into local currency can be very challenging for everyone except yourself. It can be nearly impossible for someone not used to moving wealth around digitally. KYC, 2FA, and other security protocols require a skill set not likely possessed by your Pinay princess. I haven’t quite figured this out fully yet myself.

  32. Health insurance in Thailand is overrated and expensive. Chances are also excellent they will make any excuse possible not to pay up when the time comes. I would rather self insure than give my money to a gang of crooks. The quarantine in Thailand for foreigners was a complete failure and costs thousands. While thousands of expats with wives and families inside Thailand were locked out and the only option was to pay thousands of dollars to lets be direct to the Thai mafia and their insurance buddies laughing all the way to the bank. Desperate foreign suckers continue to toss money at them.

  33. I haven’t really thought that much about the end-game. My wife is a nurse who will be furthering her education while we live here in the US so hopefully I’ll have the care-giver part covered when I get to that elderly stage in the Philippines. I will have a pretty sizeable retirement income so that should cover expenses when the time comes and I need more meds or a serious operation. Not sure if I’d end up coming back to the US at the end….most likely I’ll just pass on while I’m still in the PI. I’ll have to look into being buried in a veterans cemetery either in PI or maybe Hawaii.

  34. Good info Reekay, I have a end game plan, as well as a book out plan, so no problem there, but don’t say 70 man, I’m almost there. ha ha. hope to see you in Oct. this year.

  35. It is always a good idea to set up a framework for your success and happiness. This applies whether one is in the Philippines or in their own back yard. Good reminder Reekay.

  36. Thanks Teekau for the reality check? It seems like everyone else is all about blowing smoke about how wonderful everything is, without ever considering the reality of being in a foreign land.

  37. Good topic. It’s my biggest concern health and need to return and have no home in USA. I can be fine in Philippines but cannot afford 2 places at one time. Glad to hear your comments.

  38. Great topic, Reekay. It’s a topic most people don’t want to think or talk about. Healthcare, as one gets older, has to be a consideration. The idea of hiring a med student is a good one. I hope to spend the rest of my life in the Philippines with enough money to take care of any medical issues I may face in the future. Then there are those “final expenses” you have to consider as well. Lot’s to think about.

  39. Reekay, this message today HITS HOME for 90% of US SUBSCRIBERS!! I am in my mid-50’s….so I think about it more and more!!! Don’t mind me asking….but, What is YOUR endgame? You plan to marry and settle down in the Philippines for the rest of your life….or is there a Plan B??? We would love to hear your thoughts….THANKS!!

  40. I saw Handel’s Messiah performed in the terraces Ayala. I wish I could get back there. How simple life was before all this COVID disaster struck.

  41. My Filipina wife and I will sometime this year go to the Philippines. Our plan is to permanently move, no plan to return to U.S.
    Pretty much all bases covered, I even have given thought to a number of what ifs. They are all either covered or I have a rough game plan on what to do.
    Most of my options would not be all that different if we remain in the states. But for me, and my wife, the states are played out. Living here lost whatever charm it may have once had. Time to get out and try and enjoy what time we may have.

  42. Sir, to have “cushion
    money” in the States
    I will have to work
    until I die.. no thanks

    What’s more important
    to me is making sure
    my girl’s future is set

  43. Great video for expat.for myself only 6 months stay in Philippines. Have health issues for taking medication…stay covid19 safe..ok

  44. Hi Reekay, I’ve been watching you from about the beginning of your posted adventures in the Philippines. Great wisdom.
    I’ve been retired now for 12 year I’m 64 years old recent widower. I’m ready to walk into the Adventure eyes wide open to the Philippines.
    I’ve made a living in building trades and reading the signs of people and their behaviors. I know when someone is blowing smoke up my ____ , then if I like it I get a little closer , but I know it’s smoking mirrors. I will be looking for the New Love of the rest of my life.
    All of your preparation and travel information give confidence to those that are not aware of the true harshness of some people. I have uncles and cousins that married Filipinas , the good bad and ugly. Knowing the goodness, long enduring love of a good Filipina and happiness of rewarding relationship is in life.
    Boots on the Ground , Eyes Wide Open and Understanding What I see.
    End Game is well funded and planned.
    See You In The Philippines, Best Wishes For You and Yours ; when time permits.

  45. Am
    told that thailand have excellent health care and can’t you as a visitor in Philippines have heath insurance

  46. Would you suggest selling rental income property, for a lump sum or managing rental income from abroad to finance living expenses in the Philippines?

  47. I’m trying to stay in the Philippines when I get there I was introduced to my future wife by my coworkers wife she is Philippine any way I’m retired waiting for the reopening I will have 4 to 5 thousand a month I will live in the province and spend frugal and travel and try to be a great husband I’m thinking of pacific cross insurance they say I can use it in the u s also!

  48. Working hard for retirement in 6 years. Money is definitely a must I wouldn’t come on a “Micro” budget. Hopefully I’ll be north of $6000 a month. I have Tricare so it’s widely accepted there. Once I pass I’ll be cremated there and flown back to the US to be buried in a military cemetery all paid for in advance (or in the bank).
    Great video ReeKay. Makes people think. I hope

  49. I’m 62, in better shape than I was at 50 despite the lock down pounds I picked up over the last year. While I don’t have detailed plans at this time regarding end of life issues, I’m working on a DIY support network in the Philippines. Frankly, the “professionals” graduating from college today in the US do not inspire confidence as to what quality of care I might receive there twenty years from now.

  50. One thing you did not cover in the end game, if you are single, is where do you want to be buried. Do you want to be buried here or in your home country. And if you die here who will take care of your funeral. Also who gets your assets and any money you have in the bank here. If you own a Condo do your children have the means to come here to get the money out of it. I guess that is the end of the end game. LOL For me before I get to old to fly I will liquidate and return to my home country.

  51. I have a couple things planned for my endgame so that I am not stuck. While living in the US, I bought a long term care policy with Northwestern Mutual that is a paid off policy that I won’t have to pay for into retirement. I saved as much as I could so I have plenty of savings to live on for the rest of my life so that should be ok as I transfer to the Philippines or even back to the US if needed. I will pay my medicare when that comes due even though it isn’t usable in the PI but just want to make sure I have it. Lastly, I am in a relationship and hope that works out for a future marriage. Do I believe I have everything covered that I can think of, but yes things come up you can’t plan for. However, I think I am in good shape.

  52. I would like to see a discussion on health insurance, specifically catastrophic insurance. Most HC items can be paid in cash, but major procedures need to be planned for. What is a good source for this type of insurance (keeping in mind not all expats are American)?

  53. I only came here for one reason, Her name is Neneng. I am not going anywhere, I certainly have more spending $ here than I would back in the states where I would have the joy of dying alone. I have prepared for the end though I bought 2 heavy-duty garbage bags & rope

  54. Great to hear that you guys are doing well can’t wait to get to see my Filipina she is 3 years older than me so I guess I’ll take care of her then

  55. Hey Henry,good topic and video. I’m wondering if you have done a video about men making sure they leave their filipina and possibly children taken care of long term in the event of their death? Are they making sure she gets all of his assets and funds,pensions,SS and any other assets she will need to live the rest of her life without him? What is your thought on this topic? I personal think he should set her up for life if possible,especially if they have kids.

  56. I am 45 leaving for ph at 47 have 2000 va pension a month . And at 65 caN drawn social security. And I have 8 thousand in savings. What do you think Ree???

  57. Reekey I will live in the Philippines till the day I die but if I need medical attention I do have the need to were I can travel back to the USA if I have to thank you for a nother great video God bless you

  58. Good topic …I’m 65 ..retired in Cebu city …have a Filipina wife ….I have the SRRV visa…it’s worked out well ..I can afford medical care here much easier …without insurance ..than I can in usa with insurance….my only concern here is the quality of care …or lack thereof ..however ..Chonghwa and UC med ..doctors university hospitals considered best in Cebu ..theyre still overcrowded ..and below USA standards …somewhat ..for me ..I’m relying on my own very healthy lifestyle ..low stress …healthy diet ..exercise etc ..to keep me well …and so far ..at age 65 ..still ..good ..but down the line age 70 plus …I still think I can remain here ..and get by with medical system here ..is my plan ..
    And affordably….but the way the world is headed now …I’m more concerned ..not money ..but …something much more serious ..we all be faced with ….to me ..I see the end times ..and ..my spiritual health …And my family is ..spiritual health is highest priority now …..

  59. whats the latest on flights to phillipines? what did you hear about tourism opening? anything? usa still will need a visa?

  60. Hi Reekay, on this topic, have you done any videos on health insurance options if you live in the Philippines? If not do you have any knowledge on the matter you can pass along.
    Thanks for posting this video on a very important topic.
    Best.

  61. I always enjoy your videos even before I was looking for a wife. I married my Filipina wife 3 years ago in the Phillippines and went through the process of an attorney in the US to bring her home to me where I was hoping she can help me with my online business. However, this Virus took place and Trump made it so hard with the immigration process. Then after my wife’s interview in Feb, she found out that somebody stole her identity in her Province in 2005 and married someone in Japan. My wife’s sister came from Baguio to help clean up this matter and they did, except for 1 item. So we hired an attorney in the Philippines to help us – but the cost is HUGE!!! So, now we are very serious about going to Vietnam to live. I know that you lived in Vietnam for a short time, and I will need your advice on living and other things that will help us. So now we are finding the date when we can meet up in Siagon soon or some other location in Vietnam. I’ll contact you about this matter later so I can pay you so we can talk a little bit. Thank you for all the information you share with us…

  62. Going to the Phillipines for 1 year returning to Holland. Just realize you Will be in homelesscentres bcz waiting for renting a house? 10 years before you have one. So leave permantly like you plan or return your dream in the Phillipines being ruïnes and be like that for at least 10 years. Good Luck

  63. Reekay, all that you said is on point. It is interesting to those of us who wonder what some of these people are really doing there. It almost as if they have come there as a last resort to escape whatever their life was in their home country.

  64. Importance off money? You want to Trust on money and not Gods blessings? You need and awareness Christ coming back soon. Looking at situations around the globe. I Dont think you Will live after 2030. Just my opinion

  65. Great video you look like you’ve lost some weight I hope you will start working out more to extend your health there

  66. I worked 42 years for the federal government including my 3 years with the Army during the Vietnam era. My pension goes to my wife when I’m gone and that option has cost me nearly 4000 USD in reduced pension yearly. Politics in the USA has me really worried about losing everything I’ve worked to achieve. Marxist/Democrats seem set on anarchy and the destruction of America. Then my lifes work is gone. It’s already happened to millions of americans. It’s madness.

  67. It all depends on the quality of medical care in Cebu compared to the public system in Australia for SERIOUS medical issues for me..I need to look into that alot deeper before I can make a firm decision for my ripe old age..once International travel is allowed once again.

  68. The plan is to spend part of my retirement years in Egypt and the other part in the Phils. Egypt is a good option as you can live off the bank interest on investment certificates. Philippines will depend on the financials. Ideally, early on, i’d like to continue working online. Things are moving in that direction with the work from home/office hybrid and reduced office space. I prefer to maintain some sort of decent lifestyle while in Phils. Not sure how it will work out if salary is to be adjusted by the employer to the local market. The idea of hiring help in one’s old age is a plus. Planning to come in July and will be spending significant time in the Guadalupe area on an extended vacation to try out the work from home thing. Hope to meet you. Vince

  69. Iam very lucky I met my Philipna 30 years ago in canada and now our kids are in their 20 and doing well so we are waiting for quarantine to stop and we will move into our new house we’ve been building in northern Luzon

  70. I think you are the smartest guy in youtube advice. I will be moving there soon and have a good plan. I am different than a lot of other Americans because lived overses for decades, worked with Filpinas and other nationalities for years, understand the bottom line of a relationships. Not interested in marriages and building a new family. Have someone trustable who is 30 year younger and will take care. My question is this:
    It this not true that we can keep our Medicare from the states and buy just an emergency coverage there. Any bigger issues can be treated in the US. We still have to visit our families in states once a year.
    Why this issue is confusing people? Living in Philippines does not mean abandoning the US.

  71. Great video, Henry! I’m planning to become an expat. I’m 40 so it will be probably during my 50s or around 60-62. Yes, it very important to think ahead. I believe it’s important to have backups and not putting all the eggs in the same basket.

  72. I plan to “come and go” at the same time. “Post”-“End-Game” funds and instruction already in place.

  73. I’m looking into Guam as a possibly. Expensive, like hawaii, but easy visa run, flights are cheap, is a legal u.s. port of entry and Medicare is good. Need supplimental medical but I’m looking into what’s available now to see if it’s reasonable option and then spend some time there.

  74. I like your common sensible approach to life situations, everything you spoke of is totally correct. I live in Phuket and was thinking of moving to Dumaguete but I’m having second thoughts mainly due to the costs being higher in the Philippines, congestion and a few other issues I’ve picked up on while watching various youtube videos. Living in Thailand allows me to maintain a quality lifestyle on $800 per month that includes a very nice condo near the beach with a large pool, gym and access to whatever I need within walking distance, my medical plan cost is $500 per year major medical only but includes coverage for all of the top notch hospitals, I also maintain a substantial investment account that would cover any unforseen incidents many times over so I’m pretty well setup but all of this didn’t happen by accident, it required planning and more importantly the discipline to stay on plan.

  75. A topic very few want to think about; unable to care for self when getting old. It will happen to each of us. Our body eventually wears out and breaks down. Having a loved one to care for us during our last days is comforting. AARP did a survey many years ago and asked 1000’s of elderly what they feared the most when dying, and most said dying alone. Having family in the Philippines to care for you in your last days is the best place in the world to be. The only downside is emergency care.

  76. Thanks Henry, I always appreciate your “thinking out loudly” VDO’s. How would you answer this question on the end game your self? Do you plan to return some day to the US again permanently?

  77. You always been right on point with all your advice. Guys never think about the endgame.
    I have been a subscriber for some time now and have referred many people to your channel.
    Bertram from Los Angeles, Calif.

  78. There’s always an option: when your money and health are gone, you simply check out. Sometimes, it’s just not worth getting out of bed, IT’S YOUR LIFE, TAKE OWNERSHIP!

  79. I’m elderly, and would not risk living permanently in the Philippines. Eventhough I can afford a medical fund, I would only spend 5 months yearly there, but return to Canada for medical and personal reasons.

  80. The month we l eft the US I took my daughter to the dentist. She needed a filling. She is autistic. The quote to have her anesthetized and the work done was over 2000 dollars!. Here , I got it done for 3000 pesos =75 usd. I told the lady we were going to the Philippines that gave me the quote for 2 grand and she asked when we would come back. I told her never. They billed me over 200 dollars for the visit to give me the quote.. Medical care in the US is a scam. “period.”

  81. Reekay, It only makes sense to go back if you can afford that. Isn’t the fundamental about Phil that it’s English speaking and cheaper? I have no safety net in USA except Medicare and church support from the Catholic Church or to live under a bridge by the LA River. Besides in my case, in spite of my shortcomings, I believe that I may just live beyond 100 and still be strong and with a sharp eye. It’s a Bible verse actually that Moses lived 120 years, his eye undimmed and his natural force unabated. OK, keep a cushion for sickness, but keep one for health too.
    In spite of other problems I have with church and the Bible this somehow rings true with me and is supported by other inputs I have. Best thing is to dodge people that are too wicked for you. They can really be a bummer. Beyond that, stay humble and you might just perk along on small money doing what you enjoy until old old old…… youth, hahahhahahha. Have a nice day, Paul in Thailand

  82. I prefer short-form videos like this that are focused on a single issue. For me live streams are too much of a time commitment and it’s hard to ascertain at the outset if the subject matter is likely to be of interest.

  83. I’ve given up hope of being able to come to Philippines in 2021.

    I cancelled my flight (Business Class on Singapore Airlines to Changi and Manila) and my stay: (The Grass Residence in Quezon City).

    I’m hoping that Summer 2022 will be better – open for tourists.

    I have a Filipina there waiting for me and it hurts to have to tell her I can’t come this year – again – after not being able to come last year.

  84. Nice to see u enjoying la vida loca!! Great advice regarding the end game. Nothing worse than having no plans… no money and sick!!

  85. im at that stage of life im not very well now my bones are worn out its a bugger cant walk far now

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