As I gently move into my middle 60s my desire for all the adventures I took in my 30s to 50 seem like a lot of work LOL.. 

And if you want a coach who massages your ego on life, REI, or anything else you will never get anywhere.

With that said, everyone else will be.The following are examples of types of people who could be in your Center of Influence.•mother and mother-in-law •father and father-in-law•brothers•sisters•former and current brothers-in-law•former and current sisters-in-law•past and present CPA•past and present attorney•past and present real estate agent•landlord•hair dresser•manicurist•massage therapist•workout trainer•tailor•pool service rep•gardener•doctor•all members of a charity organization you might belong to•church members you know •anyone you have donated money to—ever•co-workers•former co-workers•former employers•current employer•current customers of your current job (be sure to first get approval from your supervisor)•former customers •drinking/social buddies•college friends•high school friendsYou can see that the list can go on and on.

Seeing lots of new RVs around town, $90K loaded pickup trucks, when I need to get a massage its a 3 day wait, versus same day 3-4 years ago.

Be gentle.

Use a metal one if possible unless if you are very gentle.

I would be gentle with how you relay that you know they are delinquent.