Most contractors teeter on only one or two when it comes to retirement.

Nothing breaks my heart more than to see old plumbers doing backbreaking work at a time when they should be devoting their days to enjoying the grandkids and favorite pastimes. The physical work of plumbing is a young man's occupation, and even the business of contracting takes its toll on failing senses and nerves.

Yet, I've seen more than my share of guys in their 70s and 80s still hauling toilets and lavs up the stairs and trying to maneuver boilers and water heaters to the basement. A few may love what they're doing, although I suspect many of those who make that claim are merely rationalizing. When you see an old plumber or contractor, odds are you are looking at someone who continues to work because he has to, not because he wants to.