This is a major factor in broken hips so common in seniors, especially women. How much calcium is in your bones, however, is not a simple issue of getting enough calcium and vitamin D during your growth years. Estrogen and exercise both play a role. Since you have already gone through menopause, you are not making estrogen. Estrogen helps keep calcium in your bones.
Exercise also helps keep bones hard.
Any weight bearing exercise, except swimming, stress your bones and keep them hard. Talk to your doctor about an exercise program for you. Studies in Wisconsin have shown that women in their 80's and 90's can increase bone hardness. It's not too late to increase your bone hardness. Vitamin D helps your body absorb calcium and deposit the calcium in your bones.