As a member of the over 65 club i can share some insite on the subject. I am not the A-typical over 65 as i still work and I am active in the community. What I can share with you is what this generation thinks like.
When people reach the age of 65 today they are faced with the chalange of continuing their life style on a reduced income. When you have been making $2000 or more per month and suddenly you have to survive on less than $1500 per month your thought process changes.
You are no longer living in a materialistic mind set, but rather a survival mindset. While the price of everything around you is rising, you remain stagnate in your income.
You are no longer talking about vacations and new cars, now you wonder if you will have enough to make the utilities, house payment(rent), and food on the table. That trip to see the grand kids is put on hold until the price of gas comes down.
So when you talk to senior citizens is it any wonder they have a different outlook on life than the younger generations. They have been where you are headed, They have seen what you have yet to see, they have made the mistakes you are going to make.
If I were you I would listen to what they say and maybe you will not have to experience the same mistakes. My daughter would always get angry with her mother because she would always be right about the way things would turn out if she did things her own way.She would say I want to learn from the experience, now she just says,"I'll do it your way'"