Lowe's takes up to 35% off a selection of tools and accessories. Choose in-store pickup to avoid shipping fees, which start at $5. (MyLowe's members bag free shipping on select items. Not a member? It's free to join.) A couple of best bets:
DeWalt 65-Piece Screwdriver Bit Set for $9.98 $12.98 (pictured, low by $12)
Kobalt 63-Piece Standard and Metric Mechanic's Tool Set for $29.98 (low by $6)
Experts often recommend postponing Social Security retirement benefits. But there are situations in which you should just start taking the money ASAP.