It is just a state of mind... when you become a resident and decide you are going to be here for the rest of your life, you can consider yourself a FROG, be it the instant you sign the papers or years afterwards.

Now, that's funny !

In my neighborhood, they call themselves ROMEO's
Retired
Old
Men/Mama's
Eating
Out

Never cared for the frog thing. Makes it sound like we come here to die. I came here to live!

Now that is cool

How about R.I.P.
 

R.I.P.: Retired In Perpetuity

First comes Retirement In Perpetuity and then...... R.I.P.

How about a toad?
 

I haven't yet figured out what "T.O.A.D." stands for but here's some toad advice:

Eat a live toad first thing in the morning, and nothing worse can happen to you the rest of the day.