“I can never retire,” she said, her voice trembling as she stared at the floor of her living room in Grass Valley, Calif. “Probably about every two weeks when the bills are due, that’s when I get really worried. I think ‘How am I going to pay this one?’ ”

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homeowner-no-savings-some-options: Personal Finance News from Yahoo! Finance

I see this all the time with the recipients we work with at NeighborLink. It’s not about retirement as the article suggests as much as it is about survival. There is no room for “life’s circumstances" in a $900/mo income for seniors depending on Social Security as their primary source of income. 

Most are one leaky roof or a broken water heater from being in real danger.