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Related: Editorials & Other Articles, Issue Forums, Alliance Forums, Region ForumsI'm so frustrated, I'm nearly in tears...
For months now, I've been worried sick about the damnable debt ceiling and whether or not we'd have a social security check come June, and for how long we'd be without one. My "retirement money" went towards buying a house outright so we'd at least have four walls and a roof over our heads and not be homeless during our elder years. But we have cats, a dog, and ourselves to feed and the usual multitude of medications now that we're both old to pay for and worry about. On top of that, hubby has had four (mild) heart attacks, I have fibromyalgia, lupus, and severe back problems. We also work with my sister to support our mother who's in a memory care home. Rather than a nice, calm retirement... thanks to Trump and the damned magats (who've been in power since my retirement), it's been anything but calm and peaceful.
I've seen every bit of progress I fought for in my youth for women, young people, and minorities stripped from us in the last few years and hate grow by leaps and bounds. When I was 18 and sought to become a preacher, I was laughed out of the Baptist church where I'd made my inquiries because I was female, although I had a strong background and foundation of religious education. Knowing what I wanted to do in my heart, and not being driven by money (as in, not being concerned with that being my "career path," I started studying different world religions until I found one that fit my internal belief system and soon became initiated into the Craft of the Wise (Wicca). I was about 20 at the time. Today, close to 50 years later, I'm seeing shades of the old Satanic Panic days beginning to rise once again, as well.
Over the last few days, it looked like a debt ceiling resolution was going to be accomplished without demolishing our economy and the world's economic foundations. I actually had the temerity to breathe a sigh of relief and start to make plans to take my car in for a checkup and an overhaul it has 236k miles on it). Also to make plans for material to expand the outside catio. And what do I see a few minutes ago? Kevin McCarthy once again talking commission about cutting Social Security and Medicare. Social Security needs to be increased per month for most of us, not cut. Most of us do not get SNAP or any other benefits; we make do with budgeting on just our SS checks. The COLA isn't figured correctly for the elderly. Our needs and how our money gets spent is different from other age groups, and yet our COLA is figured as though we're 35 years old and our buying habits are the same as a middle ager. We often are care givers for our even older parents and yet are not recognized or helped with that, and many (if not most) of us are trapped in Red States that have stripped what little state aid there was for elder care of any kind. Note: I live in Brownbackistan and it's like night and day here after they came to power. I figure it's much the same in the other states where the R's took over. The care programs and $$$ available dried up and went to the rich and powerful instead of to the elderly and caregivers where it was needed. Now McCarthy is making noises about stripping away even more money that we paid into our retirement insurance accounts all our lives. These are Entitlement Accounts with a capital letters. They are not dirty labels, as the R's make them out to be.
They are Entitlement Accounts because it is OUR money because we worked and paid into the accounts with our own earned income. I realize that "Earned Income" is probably a mysterious concept to most Republicans. They make most of their money in unearned income, which is taxed less (and is absolutely backwards in taxation, AFAIC). Republicans also consider it to be "dirty money" because it is "social money"... it isn't put into an account under your own singular name to draw from, like an IRA. And, while they've stolen from that pot of money for themselves quite generously through the years, they've never paid back the IOU's, and never even mentioned the IOU's exist. And Lord knows, they won't do what needs to be done to correct the IOU issue... which is to raise the income cap.
And so I sit here nearly in tears at the frustration of it all. They won't be satisfied until they once again see the elderly homeless on the streets or starving once again. I remember those days... it wasn't that long ago. My parent's generation is the only generation that hasn't had to worry (much) about Social Security being there. My generation got scammed with Medicare Advantage. But at least there's being some eyes turned towards that scam now. But is it going to take a resurgence of the Grey Panthers to fight McCarthy and the R's on Social Security cuts and to try to get the cap raised? Why aren't the younger generations fighting mad about this? Is it because they're acquiescing on this issue because so much else is wrong with the U.S.? Or because it's so far in their future they feel it just doesn't affect them?
I actually am, literally, sick and tired of all this bullcrap. I've worked in paid employment since I was 13 years old. I'm 67 now. I was forced into retirement at 62 because of disability. Rather than swallow a handful or two of pills and shake off this mortal coil of pain and disillusionment, I'd like to spend what years I have left in some form of peace and love with the friends I have left here on this plane of existence. Right now, we're all worried about how we're going to eat and afford our medication for our chronic illnesses, and how we're going to feed all our cats (no jokes, please!). Life, especially at this age, should not be reduced to this. I would say "This isn't fair"... but it just brings up the old "Life isn't fair" adage my dad drummed into me from a very early age. But really, when you've lived your life ethically, legally, and morally correct to the best of your ability all your life and you've done your best to help those around you when they've needed help, regardless of your own circumstances, neither you nor anyone else your age should have to worry about what tomorrow will bring because of a political party of Deatheaters.
I don't know what the answer is... at least, not that anyone would listen to, anyway. The easy answer is to raise the damned income cap on Social Security. It is now and always has been set too low, especially when you consider SS is available for everyone who meets the minimum work requirements. And the higher your earnings the higher your SS check. But god help us if we tax the rich equitably. I guess the damned sky would fall in or something...
So excuse the rant and ravings of an old woman. I know I have it better than many others, and I am grateful to be as blessed as I am. But no one should be reduced to fearing for their next meal, no matter what their age; and no one should be scared of losing their house or their medical care, especially when their memory is failing and they have trouble reasoning things out as they once did.
Under the best of circumstances, old age is not for the feint of heart.

CaliforniaPeggy
(155,421 posts)
FalloutShelter
(13,910 posts)CUT THE CRAP.
RAISE THE CAP!
Rebl2
(17,109 posts)Also when the richer people retire the higher earners should pay a higher deductible on Medicare. I get a whole 705 a month in SS after Medicare premium taken out. My husband gets a lot more, but he, like many his age started working when he was a teen (in the 1960s). He retired at 65 and three months so he could help with my parents and me (I have medical issues) and my parents had dementia. I have been scared like the person who started this discussion.
yardwork
(68,354 posts)It might be best to step back from reading or listening to politics for a while. Give yourself a break from it.
I think McCarthy's focus on Medicare and SS will backfire on the GOP. But in any case, it's not worth ruining your peace of mind.
Do something enjoyable for yourself.
SleeplessinSoCal
(10,309 posts)
Mr.Bill
(24,906 posts)We are going to win the '24 election and win it big. Nobody is going to touch your Social security and Medicare. If anything it will be increased. It's okay to be concerned and aware of things, but I think odds are we are going to be okay and even better off than we are now.
republianmushroom
(21,697 posts)Welcome to retirement.
reymega life
(675 posts)this week to the compromises
UTUSN
(76,086 posts)usonian
(21,735 posts)Looking for someone to pay for a billboard.
Crush the morons (at the polls)
There is a big, supportive community here at DU and even outside of it!
Don't be discouraged. That's part of their strategy.
Contact friends and young people.
Everything we've accomplished was against bitter opposition.
live love laugh
(16,003 posts)cilla4progress
(26,457 posts)Agree. Life is terribly unfair.
PoindexterOglethorpe
(28,184 posts)of those Republicans know anyone who is even somewhat dependent on Social Security and Medicare.
I happen to have the good financial fortune that SS is almost exactly 1/3 of my income. The rest from a pension and savings. I live in reasonable comfort. I can pay my bills. Buy groceries, personal items, food and litter for my cat, go out with friends about once a week, maybe less. I am even continuing to save some money.
I will add this: Several years ago I asked my investment advisor (yeah, I actually have one) if I shouldn't cash in one of my annuities and use that sum of money to pay off my mortgage. He said no. Very firmly. He pointed out that if I did that, I'd forever lose the income from that annuity. He was right. I still have a mortgage payment, which is just fine, and I have the income from that annuity. Oh, and when I die, if there's anything left in that annuity, which is likely, that sum will go to my heir.
MiHale
(12,264 posts)Mary, my wife, and I are 70. Shes in good health, Ive had 5-6 heart attacks, 2 strokes, aortic aneurysm surgery, hip replacement, cataract surgery, high blood pressure, osteoarthritis; Im in A-Fib 25% of the time. We live on 25 hundred a month, Social Security only nothing else.
And were having the time of our lives, it about attitude. You cant control what you cant control.
You are where you are
at the exact time
.youre supposed to be there.
Greg.
pnwmom
(110,125 posts)keithbvadu2
(40,915 posts)Uncle Joe
(63,451 posts)
Chi67
(1,253 posts)I will most likely have to work til the day I die, even with a 401K. McCarthy is an asshole.
slightlv
(6,843 posts)In the 60's when the Grey Panthers were making news, the people weren't as divided as they are today. While this should rally everyone who's of a certain age, it won't. I'm not sure how to make an impact, but something has to before they get too far down this road. There's the "life's not fair" adage of life eternal, and then there's "something has to be done" adage. Democrats, for all the good they do, are horrible at messaging. They should be reassuring us elders that nothing is going to happen to our SS checks, but here we are, left blowing in the wind, while Rand Paul is screaming about forcing a vote.
I used to be a huge newshound. I've backed down a lot since those days, but I think I need to back down some more. Do some thinking, do some talking with friends, and see if we can come up with any kind of plan beyond airing our screams.
DemBlue76
(78 posts)Part B $165, Medigap policy about $100, Part D prescriptions about $30, total about $300 per person per month. No dental, no vision, no hearing, and some prescription drugs are still very expensive even with the plans.
Some people go on Medicare Advantage since they just can't afford that. They don't have to pay any premium beyond the Part B $165 and they get modest dental, vision and hearing coverage. Problem being their claims are paid by a private insurer with a limited PPO or HMO network. Treatment can require referrals and be delayed, plus doctors and hospitals are limited. I saw a study that indicates people on Advantage are 1.5 to 2 times as likely to die of cancer as opposed to those on original Medicare.
slightlv
(6,843 posts)I don't know how it is with anyone else on MA, but I constantly have to tell these people to stay out of my home! Okay... I'm "old school"... and a privacy nut. Also, I figure they'll use any excuse to ship me off as non compos mentis because my house isn't clean enough or I have too many cats or any such reason. Also, I just figure MY life is just that... MY life. They don't need to know anything beyond they already know.
It starts at the first of every year. Beyond the prescribed yearly checkup demanded my Medicare, there should be nothing else demanded of us. But they always want to be in the front door. Hubby is so accommodating. But I put my foot down. They want to do virtual? Fine... they can do that with him. I have my Primary doc and a specialist... both whom I see every 3 months. They have me covered. I don't need to add an administrator on top of that, and I let them know that. I've had to get downright literal in getting them to understand it, too. I don't need to add that aggravation to my life, and I've had to let them know that, as well. It seems I've had to explain what the contract is between insurance and insuree. Every year it seems like they just keep getting nosier. It's not like they don't have access in every other way possible, anyway. Now they want it from the horse's mouth! (LOL)