About Frank

Hello and Welcome to Nearing Retirement And Broke

They call us the Baby Boomer Generation, those of us that were born between the years of 1949 through 1964. As you can see by the date range, we’re no longer babies. Actually, many of us have retired, and there are millions more of us just waiting to receive our Gold Watches.

A quick Google search for “How many Baby Boomers are Retiring” shows an average of 10,000 people a day are retiring making us the largest group of retirees. Out of that 10.000 people retiring, 24 percent of retirees have done little to no planning on their retirements. In other words, they are retiring broke with their only income being Government Pensions.

Out of the other 76 percent of retirees, many more have only saved enough for a couple of years before they too must rely on pensions to survive.

Baby Boomers are also the healthiest generation to date and are living longer, so many have opted to stay in the workforce to make ends meet. This generation may have coined the phrase “Freedom 55”, but it’s quickly becoming Freedom 75. Many choose to work and stay in the workforce because they like to stay active and be productive, but more and more people are having to stay in the workforce because they have no choice.

Nearing Retirement and Broke

It’s not all Doom and Gloom, even if you haven’t planned for retirement, or have planned, but have not reached any significant financial goals to retire on the same standards that you’re used to. That’s what Nearing Retirement and Broke is here for, to help with achieving retirement goals no matter how you have planned for it in the past. But first, let me introduce myself.

Frank’s Story

Table side Pepper Steak

Me preparing Pepper Steak table-side for a friend’s wedding rehearsal dinner

My name is Frank Sirianni, and as you may have already guessed, I’m a Baby Boomer. I haven’t retired, but I know that it’s on the horizon. I’ve been involved in the Hospitality business all of my working life, and am currently a Catering Manager at a Best Western Hotel.

I started working in hospitality as a server in fine dining restaurants. From there, I quickly moved to bar tending which I stayed working at for several years.

I am married with two adult children, and two wonderful grand-daughters. My wife is also in the hospitality industry and we worked together for many years. When children appeared in our lives, we made the choice that we would work opposite shifts from each other so that we could afford to raise them without worrying about day care or baby sitters. It was both a financial choice, for daycare is way too expensive, but also we didn’t want outside influences raising our kids. One of us staying at home was not a feasible choice financially either.

Once my two children were of an age that I could focus more on career, I began working my way up in managerial ranks, first managing lounges and night clubs, and then to hotel management positions.

I know that you are going to ask if I did any planning for retirement throughout my career. Short answer is no. And it wasn’t from lack of trying. Life has its way of making demands that can keep you from saving for the day, and time has its way of catching up with you until any attempt to save for the day becomes an effort in futility.

But-and this is a big but-I decided that I was not going to be one of the 24 percent that will only rely on government pensions for income. Nor will you see me working as a lobby boy in a McDonalds or a barista at a Tim Horton’s to supplement my income-not that there’s anything wrong with those types of positions or those businesses-they are simply not the way I want to spend any time during my retirement years.

Even though I may not have planned for my retirement in the traditional way, such as RRSPs, TFSAs, Investments, or the like, doesn’t mean that I left myself short of options. There are options and other means, but it takes planning and commitment to make it happen.

I’m not a person to shy away from challenge or difficulty, so I decided to take on the commitment and work on a plan to change my own financial future. And part of that plan became the creation of NearingRetirementAndBroke.com

“Someone’s sitting in the shade today because someone planted a tree a long time ago.”
― Warren Buffett

Nearing Retirement and Broke: My Commitment

If you’re still here reading my about page, first off, let me say thank you for staying, but more importantly you are here for a purpose. That purpose is to find ways of earning more money before you retire and maybe even after retirement so that you can enjoy your time without money worries.

I was in that position, and believe me I can relate. A couple of years back, I seriously started to look for ways of improving my situation and spent endless hours online to look for ways to earn online. I tried several methods that I found which sounded really good, but many of the ‘programs’ that I did find and enroll in were dead ends, or worse. But I still kept working. Eventually, I got involved in Affiliate Marketing programs and started to learn how to become an Affiliate Marketer.

Nearing Retirement And Broke Shade TreeMy commitment with Nearing Retirement And Broke is to help people-whether they are retiring, retired, or just want to earn an extra income online-change their situation and avoid the pitfalls and dead ends that I ran into online to try to earn. One of the best lessons I learned from experienced Affiliate Marketers is to Pay It Forward, which is also the reason I chose Mr. Buffett’s quote above, for it is also about Paying It Forward.

Nearing Retirement And Broke is the tree that I’ve planted, I’d be overjoyed to have you get out of the heat and enjoy its shade, for it won’t be long before you’ll be planting your own trees.

All the best,
Frank Sirianni aka Foxxfyrre






  1. Beautifully written, Frank. You were in the Hospitality business, but I think you have a gift of a writer or a poet 🙂 Well, maybe your creativity has helped you to advance in your career as well. So many people don’t have a chance to save for the retirement while they are young. I am glad that you found another solution for financial independence at an older age. Thank you for sharing your experience with the rest of us. Thank you for the shade of the tree you’ve planted.

    • Thanks so much Julia,

      Writer, well I do like to write, but on a skill level–still working on it.
      Poet, maybe a limerick or two 😉

      You are right about the amount of people that weren’t able to prepare properly for their retirements. (I’m one of them)
      I’m still working full time as a Catering Manager, but it still won’t be enough to prepare me financially for that day when they say, ‘Toodles Frank, it’s been a slice’ or something to that effect.

      On that noted day,
      this tree,
      that’s just a sapling now,
      will not only blossom
      but it’s fruit
      will provide
      for all those
      who’ve shared the shade


  2. I also address the issues facing senior citizens, so I appreciate the help you offer. The money situation for retirees is critical, but there are a number of options. Those of us who have ideas and solutions can help turn this situation around. Retirement today is Quit one job-start another. Thanks for your positive attitude.

    • Hi Judy,

      Your so right about quitting one job to start another. I’ve known too many people recently that have retired, but it wasn’t long before they were looking for work to stay ahead.
      Out of those, only a couple of people I know just returned part time simply for something to occupy their time. But the sad reality is that most people are returning into the workforce out of necessity.

      Thanks for stopping in Judy
      Frank aka foxxfyrre

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