Write an informative article that highlights the various perks and discounts available to seniors, emphasizing the importance of financial literacy in claiming these benefits. Detail key programs and discounts, providing practical tips on how seniors can access them. Integrate a discussion on essential financial skills, such as budgeting and understanding insurance, that will help seniors maximize their savings. Encourage readers to seek out resources for improving their financial knowledge and confidence. Conclude by stressing the potential for significant savings and enhanced quality of life through informed financial management.