Ho Yen-tai had a former classmate who had long before left the military to open a pawnshop, and was always encouraging Ho to do the same. In 1967, Ho retired, and together they opened a pawnshop near Kaohsiung Harbor.
民國五十六年，一位早就退伍去開當鋪的同學一直攛掇著何延泰早日退伍，合夥去高雄港附近開家「裕民當鋪」。