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Cola Raise was 5.9% But EBT Food Benefits were then reduced and Medical Copays were Raised
In this article, you will see the real truth about the COLA raise which does nothing to help people on Social Security, SSDI, SSI or Widow Survivor Benefits in the U.S. and the truth of what it is like to live on Social Security, SSDI, SSI or Widows survivor benefits in America. The government gives the Cola increase but then they take it away by raising the price of Medicare and Medicaid copays for doctor appointments and medicine and lowering SNAP food benefits.
Why the COLA increase does not do anything to help
The 5.9% COLA (Cost of living raise) does absolutely nothing to help people on Social Security, SSDI, SSI and Widow survivor benefits because as soon as the COLA raise was added to the accounts, it was immediately taken away. Medicare prescription copays immediatly increased and Snap benefits were reduced which ads up to more than the COLA increase and though they may get $29-$96 more in cash those amounts are subtracted from SNAP benefits (food stamps to purchase food) and since the cost of medicine copays more than doubled, people on Social Security benefits actually will have less money than before the COLA increase.
For someone on SSDI, SSI and Widow survivor benefits who get less benefits than Social Security Retirement benefits, every penny counts. The only way disabled people will be able to benefit from the COLA increase is if they don't go to the doctors (there are copays for doctor visits) and they don't get needed prescriptions (there are copay's for all the prescriptions even if they have additional medicaid coverage). As a result, many disabled people I know who are in need of medical care and medicine stop going to doctors and stop getting medicine because they have to figure out how to pay their rent or house payments, pay for utilities, and food. $12-$48 a month for Snap food benefits isn't enough to feed a dog for a month much less a human. Rent payments for a single room in someone's house are higher than the monthly amount most people on SSDI, SSI and Widow Survivors checks. For example, in most places now you will need $1500 and up to rent a one bedroom or studio apartment. In addition you will most likely have to pay electric, water, and gas in addition to that amount. Considering the fact that most retirement Social Security Checks are between $1200-$1500 a month renting an apartment is not an option. For those on SSDI, SSI and Widow survivor benefits the monthly checks are between $850-$950 a month. Of course, public housing and HUD housing is available but the waiting lists are long and can take years to get a place because there simply is not enough public housing available and many of the public housing that is available has very high crime rates so elderly and disabled people are hesitant to move there unless they have no other option. Millions of disabled people and widows unable to afford housing and do not have family members or friends who can or will take them in are either living in their cars, or living in and around homeless shelters, others have sold their homes and bought campers to live in thinking that renting at a campground is cheaper than renting an apartment.
Unfortunately, the rental costs on RV parks is steadily rising and comes with it's own issues. For instance, RV parks used to cost $200-$350 a month which included utilities and wifi which made retiring to long term living in RV parks a viable option for people struggling to survive on Social Security, SSDI, SSI or Widow survivor benefits. However, this option is quickly fading. In the past three years big businesses are buying up the mom and pop campgrounds, enhancing them and charging $600-$1200 or more a month and in most cases that does not include electricity.
Living in Campers?
Even if a retired, disabled, or widowed person were able to buy a camper to live in full time, many of the new or improved campgrounds will not let campers older than ten years old to be in their campgrounds, and most do not allow long term stays. Sadly, most campers 10 years old or less were manufactured quickly, are not very sturdy, cost as much as buying a house, and are not designed for long term living as many who have purchased them are discovering and talking about on the internet. Campers which people live in are constantly in need of repairs which cost money. Lots of money. Older campers were made better but that doesn't do much good if you can't get into a campground because of it's age.
Elderly and disabled people are not capable of moving their campers every month because they have to have an address to get mail, legal mail, register their RV and car. They need an address for Social Security, Snap benefits, Medicare, and Medicaid.
There are thousands of articles telling people to retire later so they receive more Social Security benefits when they do retire, but in reality the Social Security also tells people that their retirement benefits are not going to be enough to live on as a sole income for retirement. Sadly, if disabled people on SSI or SSDI do find a way to work and make money their benefit checks and Snap benefits are reduced and sometimes ended.
So where does this leave the elderly, retired, disabled, widows and disabled widows? Well, there is the option of staying on BLM lands free but you can only camp there 14 days a month and in most if not all cases there are no amenities such as electricity or wifi. Often even cell phones do not work in these areas which is very risky for people with health issues. Then for the rest of the month they have to wander around driving trying to find places where they can park the camper for the night. Luckily, there are still a few Mom and Pop campgrounds that charge $275-$300 a month, some even include utilities and allow long term stays, but as time goes by there are less and less of them and these gems that provide the elderly and disabled some financial relief and they may even be able to afford a prescription or doctor appointment copay. These are the lucky one's who have bought or been given a camper and were lucky enough to find an affordable long term campground. Unfortunately, if they live longer than a few years they will soon be facing repair bills for the campers which most on Social Security, SSDI, SSI and Widow survivor benefits cannot afford but most are signed up for public housing and hope that they will get approved before their camper falls apart.
Getting food and SNAP benefits
It's a shame that our elderly and disabled have to go to food pantries to get food because that $12-$50 a month in food stamps won't feed them for a week much less for a whole month. Some elderly people resort to Ramen noodles, cheap tv dinners for under $2, canned soup for $1 and buying a loaf of bread for $2-$4, meat or a gallon of milk is a luxury. Of course, with the temporary extra SNAP benefits, most states are giving during the pandemic, has offered some relief and is actually almost enough to eat like normal people do but we know that won't last and we will be back standing in food lines every month at churches and food pantries. Going to second hand stores or free places to get clothing and household items becomes a way of life. It is not surprising that our elderly, disabled, and widowed suffer from extreme depression, stress, and health issues.
As our bodies grow older and weaker, we have to work out extreme budgeting, and living arrangements just to eat once a day and have a safe place to sleep.
Living in Homeless Shelters
Most of the shelters I have been to are not safe places to sleep. Many offer a mat on a cold floor in rooms full of people, some offer a hot meal before bed. Most make you leave during the day. Many test for tuberculosis before you can stay there. Most are over crowded and if you don't get there first you don't get a place to sleep which causes fights and intimidation in the lines where people are waiting to get in. People are coughing, people come in sick, infested with lice and crabs, drug habits, and alcohol problems. Nothing is safe, personal belongings (even items with little or no value, like a hairbrush are often stolen while you sleep). Women and the elderly are often abused and bullied.
Living in a van or car
Many elderly and disabled live in cars or vans and use a family or friends address. Living in a vehicle offers some freedoms and alot of downfalls. Yes, we can travel to better weather, save money that would have been spent on rent and utilities but now is spent on gas and frequent food stops at fast food places that offer dollar deals because there really are not to many options for cooking in a vehicle and very little space to store food. Many elderly and disabled cannot drive, have poor vision, and develop anxiety and depression because they have no stable place to live. Living in a vehicle is not always safe either because you never know what type of an area you are parking in for the night and could easily get robbed or worse, especially targeted by thieves are elderly women or people who have obvious disabilites. Then there is the matter of maintaining the vehicle. If you do alot of driving to find a place to sleep for the night you use more gas, put more wear and tear on tires and the motor. If the vehicle breaks down you are stranded and most likely won't have enough to pay for repairs. Even minor repairs can cost hundreds to thousands of dollars. Once the vehicle is gone, you have no place to sleep unless you have managed to save enough money to buy a small house or a camper during your travels. Of course, if you are on disability saving money for car repairs or for a down payment on a house is almost impossible to do because if you put the money in the bank you are not allowed to have more than $2000 which is significantly less than any bank would accept for a down payment on a house. If your vehicle breaks down it most likely wouldn't cover the cost of towing and repairs and definitely would not cover the cost of purchasing another vehicle.
Is there a solution?
For our younger generation, there is a solution. Your best bet is to get the best paying job you can and start saving money for your retirement because you are going to need it. Even if you can only save $25 a week you have a better chance of surviving retirement than not saving anything. Don't depend on Social Security Retirement benefits because there is a very real possibility that those benefits will be depleted before you are old enough to retire. Buy a house that you can pay off before retirement age so you won't have to try to make house payments when you retire.
There are some groups building tiny home villages for the elderly but the houses are very expensive and way too expensive for those of us who have no savings left or are not allowed to save more than $2000 according to government rules. Paying $70 grand or more to buy a "tiny house" or basically a remodeled shed. When you are over 65 is really ridiculous, considering you most likely won't even live long enough to pay off the home loan, if you can even get a loan for it. Most banks won't finance remodeled sheds no matter what you name the tiny home village. People who buy those fancy tiny homes already have money to buy them. Poor people do not. Now some poor people on government benefits have found a way to do it on their own by saving enough money to buy a small piece of land outside city limits (hopefully with well water and septic) where the city ordinances will allow tiny homes. Then they live in their camper or vehicle until the land is paid off and rent to own a portable shed. After the shed is paid off they can slowly insulate it, put a kitchen sink in, a toilet and plumbing or a portable toilet and other things they need to live. If no electricity is available on the land they are faced with trying to save money for solar panels, generators, wood stoves, and wood. If they are lucky enough to have the strength and ability to do all the work themselves this can be accomplished, unfortunately most elderly and disabled would end up having to pay someone to do the work and most would not be able to afford it.
Of course, there is the possiblility that some rich company or rich person may build a solar and wind powered tiny village where the elderly and disabled could pay $350-$450 a month all bills paid to live alone in a tiny house, then our elderly and disabled could live out their lives with a safe place to sleep and be able to eat like normal people without having to stand in food lines or struggling to pay the bills wherever they live and eventually losing their home, camper or vehicle.
For those of us who are already retirement age, disabled, widowed, or disabled widows, and do not have family or friends to help us, the daily struggle is real. The monthly checks are enough to survive but not enough to rent an apartment or a house. If you live in a motorhome or camper you have to have a place to park it with an address and RV park prices have tripled in the last few years, especially since Covid. Paying $650-$1200 a month for a spot to put the RV in is not an option because you can't afford to do anything else, For example, going to a laundromat to wash clothes, buy toilet paper and other hygiene or household items, or even food for a pet. Food prices have risen since Covid, household items and every single thing you can buy. Housing prices to purchase a home are out of our reach. If you already own a home before retirement you have half a chance but with sky rocketing electric bills averaging $350-$500 a month..how long will you be able to tread water?
For those who sold their homes or never bought a home and lived in rentals, well that all stops once you are disabled or widowed because you get several hundred dollars less a month than the minimum full retirement beneficiary, so every day you wake up and wonder if your health will let you survive long enough to get on public housing or HUD housing as the waiting lists are long and it can take many years to get in only to find out that the public housing is also for low income people and more often than not public housing is crime infested and not any place an elderly or disabled person would feel safe living there but if they get it they take it because it's better than living in a vehicle, a RV or a camper or a tent. Every day you wake up alone because nobody wants to be around someone who is in constant need, so we struggle through each day to find food, make food, wash clothes, and find a safe place to sleep. Most of us go unnoticed by society because people are busy with their own lives, taking care of their children, working at their job, and struggling to pay their own bills. If you live in a RV or camper and are lucky enough to find a backwoods RV park with a private owner you might be able to scratch by or better yet a kind relative who may charge you less and lives outside city limits with no city ordinances to prevent you from parking in their back yard then you just might make it without being too terribly miserable until you can get on housing.
Many of us worked our whole lives and expected our Social Security Retirement benefits to be enough to live on but they are not because the real cost of living has gone up much faster than the COLA increases. The government gives the Cola increase with one hand but then they take it away with the other by raising the price of Medicare and Medicaid copays for doctor appointments and medicine and lowering SNAP food benefits. For those of us who are disabled, widowed, or on basic retirement benefits, all we can do is try to survive and pray for a safe place to live.
From my own experience and many people I know and have interviewed, If you are not retirement age yet, don't retire until you have too. The longer you wait to retire the higher your monthly checks will be. Drawing early retirement means you get smaller checks until you die. Get the highest paying job you can get and always strive to learn more, and earn more. The more you earn before retirement means you will get more on those monthly payments you will have to live on unless you have invested in pensions, IRA's and 401K. Save money every payday and put it in a savings account for your retirement because sadly, those Social Security benefits may not even be there when you get to retirement age. They might and they might not, it all depends on how many people are out working now that are paying into Social Security. Buy a house but when you are selecting a house to buy don't buy more house than you will need. If you have a big family you will need a bigger house which could end up being too much house to take care of and bigger houses mean higher utility bills and higher property taxes. Of course, if you need a big house and can afford it you should buy it but make sure you pay it off before retirement because then you can always sell it and downsize to a smaller house and pay for it in full with money left over or you could rent rooms out in a big house to your family and friends but keep in mind that if you are renting rooms out that is counted as income and could lower your Social Security benefits if you are on SSI, SSDI. There are alot of bills you may be paying now during your working years that you may not be able to afford after retirement. Many retired folks find themselves juggling high interest credit cards just to get basic essentials. So it is best to be prepared, just in case, because you don't want to find yourself at 67 and older with nothing left but a RV, a camper, a vehicle or a tent to live in and no place to put it.
The 5.9% COLA (Cost of living raise) does absolutely nothing to help people on Social Security, SSDI, SSI and Widow survivor benefits because as soon as the COLA raise was added to the accounts, it was immediately taken away. Medicare prescription copays immediatly increased and Snap benefits were reduced which ads up to more than the COLA increase and though they may get $29-$96 more in cash those amounts are subtracted from SNAP benefits (food stamps to purchase food) and since the cost of medicine copays more than doubled, people on Social Security benefits actually will have less money than before the COLA increase.
For someone on SSDI, SSI and Widow survivor benefits who get less benefits than Social Security Retirement benefits, every penny counts. The only way disabled people will be able to benefit from the COLA increase is if they don't go to the doctors (there are copays for doctor visits) and they don't get needed prescriptions (there are copay's for all the prescriptions even if they have additional medicaid coverage). As a result, many disabled people I know who are in need of medical care and medicine stop going to doctors and stop getting medicine because they have to figure out how to pay their rent or house payments, pay for utilities, and food. $12-$48 a month for Snap food benefits isn't enough to feed a dog for a month much less a human. Rent payments for a single room in someone's house are higher than the monthly amount most people on SSDI, SSI and Widow Survivors checks. For example, in most places now you will need $1500 and up to rent a one bedroom or studio apartment. In addition you will most likely have to pay electric, water, and gas in addition to that amount. Considering the fact that most retirement Social Security Checks are between $1200-$1500 a month renting an apartment is not an option. For those on SSDI, SSI and Widow survivor benefits the monthly checks are between $850-$950 a month. Of course, public housing and HUD housing is available but the waiting lists are long and can take years to get a place because there simply is not enough public housing available and many of the public housing that is available has very high crime rates so elderly and disabled people are hesitant to move there unless they have no other option. Millions of disabled people and widows unable to afford housing and do not have family members or friends who can or will take them in are either living in their cars, or living in and around homeless shelters, others have sold their homes and bought campers to live in thinking that renting at a campground is cheaper than renting an apartment.
Unfortunately, the rental costs on RV parks is steadily rising and comes with it's own issues. For instance, RV parks used to cost $200-$350 a month which included utilities and wifi which made retiring to long term living in RV parks a viable option for people struggling to survive on Social Security, SSDI, SSI or Widow survivor benefits. However, this option is quickly fading. In the past three years big businesses are buying up the mom and pop campgrounds, enhancing them and charging $600-$1200 or more a month and in most cases that does not include electricity.
Living in Campers?
Even if a retired, disabled, or widowed person were able to buy a camper to live in full time, many of the new or improved campgrounds will not let campers older than ten years old to be in their campgrounds, and most do not allow long term stays. Sadly, most campers 10 years old or less were manufactured quickly, are not very sturdy, cost as much as buying a house, and are not designed for long term living as many who have purchased them are discovering and talking about on the internet. Campers which people live in are constantly in need of repairs which cost money. Lots of money. Older campers were made better but that doesn't do much good if you can't get into a campground because of it's age.
Elderly and disabled people are not capable of moving their campers every month because they have to have an address to get mail, legal mail, register their RV and car. They need an address for Social Security, Snap benefits, Medicare, and Medicaid.
There are thousands of articles telling people to retire later so they receive more Social Security benefits when they do retire, but in reality the Social Security also tells people that their retirement benefits are not going to be enough to live on as a sole income for retirement. Sadly, if disabled people on SSI or SSDI do find a way to work and make money their benefit checks and Snap benefits are reduced and sometimes ended.
So where does this leave the elderly, retired, disabled, widows and disabled widows? Well, there is the option of staying on BLM lands free but you can only camp there 14 days a month and in most if not all cases there are no amenities such as electricity or wifi. Often even cell phones do not work in these areas which is very risky for people with health issues. Then for the rest of the month they have to wander around driving trying to find places where they can park the camper for the night. Luckily, there are still a few Mom and Pop campgrounds that charge $275-$300 a month, some even include utilities and allow long term stays, but as time goes by there are less and less of them and these gems that provide the elderly and disabled some financial relief and they may even be able to afford a prescription or doctor appointment copay. These are the lucky one's who have bought or been given a camper and were lucky enough to find an affordable long term campground. Unfortunately, if they live longer than a few years they will soon be facing repair bills for the campers which most on Social Security, SSDI, SSI and Widow survivor benefits cannot afford but most are signed up for public housing and hope that they will get approved before their camper falls apart.
Getting food and SNAP benefits
It's a shame that our elderly and disabled have to go to food pantries to get food because that $12-$50 a month in food stamps won't feed them for a week much less for a whole month. Some elderly people resort to Ramen noodles, cheap tv dinners for under $2, canned soup for $1 and buying a loaf of bread for $2-$4, meat or a gallon of milk is a luxury. Of course, with the temporary extra SNAP benefits, most states are giving during the pandemic, has offered some relief and is actually almost enough to eat like normal people do but we know that won't last and we will be back standing in food lines every month at churches and food pantries. Going to second hand stores or free places to get clothing and household items becomes a way of life. It is not surprising that our elderly, disabled, and widowed suffer from extreme depression, stress, and health issues.
As our bodies grow older and weaker, we have to work out extreme budgeting, and living arrangements just to eat once a day and have a safe place to sleep.
Living in Homeless Shelters
Most of the shelters I have been to are not safe places to sleep. Many offer a mat on a cold floor in rooms full of people, some offer a hot meal before bed. Most make you leave during the day. Many test for tuberculosis before you can stay there. Most are over crowded and if you don't get there first you don't get a place to sleep which causes fights and intimidation in the lines where people are waiting to get in. People are coughing, people come in sick, infested with lice and crabs, drug habits, and alcohol problems. Nothing is safe, personal belongings (even items with little or no value, like a hairbrush are often stolen while you sleep). Women and the elderly are often abused and bullied.
Living in a van or car
Many elderly and disabled live in cars or vans and use a family or friends address. Living in a vehicle offers some freedoms and alot of downfalls. Yes, we can travel to better weather, save money that would have been spent on rent and utilities but now is spent on gas and frequent food stops at fast food places that offer dollar deals because there really are not to many options for cooking in a vehicle and very little space to store food. Many elderly and disabled cannot drive, have poor vision, and develop anxiety and depression because they have no stable place to live. Living in a vehicle is not always safe either because you never know what type of an area you are parking in for the night and could easily get robbed or worse, especially targeted by thieves are elderly women or people who have obvious disabilites. Then there is the matter of maintaining the vehicle. If you do alot of driving to find a place to sleep for the night you use more gas, put more wear and tear on tires and the motor. If the vehicle breaks down you are stranded and most likely won't have enough to pay for repairs. Even minor repairs can cost hundreds to thousands of dollars. Once the vehicle is gone, you have no place to sleep unless you have managed to save enough money to buy a small house or a camper during your travels. Of course, if you are on disability saving money for car repairs or for a down payment on a house is almost impossible to do because if you put the money in the bank you are not allowed to have more than $2000 which is significantly less than any bank would accept for a down payment on a house. If your vehicle breaks down it most likely wouldn't cover the cost of towing and repairs and definitely would not cover the cost of purchasing another vehicle.
Is there a solution?
For our younger generation, there is a solution. Your best bet is to get the best paying job you can and start saving money for your retirement because you are going to need it. Even if you can only save $25 a week you have a better chance of surviving retirement than not saving anything. Don't depend on Social Security Retirement benefits because there is a very real possibility that those benefits will be depleted before you are old enough to retire. Buy a house that you can pay off before retirement age so you won't have to try to make house payments when you retire.
There are some groups building tiny home villages for the elderly but the houses are very expensive and way too expensive for those of us who have no savings left or are not allowed to save more than $2000 according to government rules. Paying $70 grand or more to buy a "tiny house" or basically a remodeled shed. When you are over 65 is really ridiculous, considering you most likely won't even live long enough to pay off the home loan, if you can even get a loan for it. Most banks won't finance remodeled sheds no matter what you name the tiny home village. People who buy those fancy tiny homes already have money to buy them. Poor people do not. Now some poor people on government benefits have found a way to do it on their own by saving enough money to buy a small piece of land outside city limits (hopefully with well water and septic) where the city ordinances will allow tiny homes. Then they live in their camper or vehicle until the land is paid off and rent to own a portable shed. After the shed is paid off they can slowly insulate it, put a kitchen sink in, a toilet and plumbing or a portable toilet and other things they need to live. If no electricity is available on the land they are faced with trying to save money for solar panels, generators, wood stoves, and wood. If they are lucky enough to have the strength and ability to do all the work themselves this can be accomplished, unfortunately most elderly and disabled would end up having to pay someone to do the work and most would not be able to afford it.
Of course, there is the possiblility that some rich company or rich person may build a solar and wind powered tiny village where the elderly and disabled could pay $350-$450 a month all bills paid to live alone in a tiny house, then our elderly and disabled could live out their lives with a safe place to sleep and be able to eat like normal people without having to stand in food lines or struggling to pay the bills wherever they live and eventually losing their home, camper or vehicle.
For those of us who are already retirement age, disabled, widowed, or disabled widows, and do not have family or friends to help us, the daily struggle is real. The monthly checks are enough to survive but not enough to rent an apartment or a house. If you live in a motorhome or camper you have to have a place to park it with an address and RV park prices have tripled in the last few years, especially since Covid. Paying $650-$1200 a month for a spot to put the RV in is not an option because you can't afford to do anything else, For example, going to a laundromat to wash clothes, buy toilet paper and other hygiene or household items, or even food for a pet. Food prices have risen since Covid, household items and every single thing you can buy. Housing prices to purchase a home are out of our reach. If you already own a home before retirement you have half a chance but with sky rocketing electric bills averaging $350-$500 a month..how long will you be able to tread water?
For those who sold their homes or never bought a home and lived in rentals, well that all stops once you are disabled or widowed because you get several hundred dollars less a month than the minimum full retirement beneficiary, so every day you wake up and wonder if your health will let you survive long enough to get on public housing or HUD housing as the waiting lists are long and it can take many years to get in only to find out that the public housing is also for low income people and more often than not public housing is crime infested and not any place an elderly or disabled person would feel safe living there but if they get it they take it because it's better than living in a vehicle, a RV or a camper or a tent. Every day you wake up alone because nobody wants to be around someone who is in constant need, so we struggle through each day to find food, make food, wash clothes, and find a safe place to sleep. Most of us go unnoticed by society because people are busy with their own lives, taking care of their children, working at their job, and struggling to pay their own bills. If you live in a RV or camper and are lucky enough to find a backwoods RV park with a private owner you might be able to scratch by or better yet a kind relative who may charge you less and lives outside city limits with no city ordinances to prevent you from parking in their back yard then you just might make it without being too terribly miserable until you can get on housing.
Many of us worked our whole lives and expected our Social Security Retirement benefits to be enough to live on but they are not because the real cost of living has gone up much faster than the COLA increases. The government gives the Cola increase with one hand but then they take it away with the other by raising the price of Medicare and Medicaid copays for doctor appointments and medicine and lowering SNAP food benefits. For those of us who are disabled, widowed, or on basic retirement benefits, all we can do is try to survive and pray for a safe place to live.
From my own experience and many people I know and have interviewed, If you are not retirement age yet, don't retire until you have too. The longer you wait to retire the higher your monthly checks will be. Drawing early retirement means you get smaller checks until you die. Get the highest paying job you can get and always strive to learn more, and earn more. The more you earn before retirement means you will get more on those monthly payments you will have to live on unless you have invested in pensions, IRA's and 401K. Save money every payday and put it in a savings account for your retirement because sadly, those Social Security benefits may not even be there when you get to retirement age. They might and they might not, it all depends on how many people are out working now that are paying into Social Security. Buy a house but when you are selecting a house to buy don't buy more house than you will need. If you have a big family you will need a bigger house which could end up being too much house to take care of and bigger houses mean higher utility bills and higher property taxes. Of course, if you need a big house and can afford it you should buy it but make sure you pay it off before retirement because then you can always sell it and downsize to a smaller house and pay for it in full with money left over or you could rent rooms out in a big house to your family and friends but keep in mind that if you are renting rooms out that is counted as income and could lower your Social Security benefits if you are on SSI, SSDI. There are alot of bills you may be paying now during your working years that you may not be able to afford after retirement. Many retired folks find themselves juggling high interest credit cards just to get basic essentials. So it is best to be prepared, just in case, because you don't want to find yourself at 67 and older with nothing left but a RV, a camper, a vehicle or a tent to live in and no place to put it.
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If you do not agree with our Terms of Use/Privacy Policy/Cookie Policy/Disclaimer then please do not use this website.
Contact Us: [email protected]