Gray Tsunami: More seniors filling homeless shelters
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- Опубліковано 12 чер 2018
- A resident at the Everett Gospel Mission, Tammy Flocchini is part of the region’s growing homeless population, specifically a segment that is growing: the elderly. In this case, shelter managers say, the group is anyone age 51 and older.
According to the National Alliance to End Homelessness, in 2008 seniors made up 22 percent of the national population. In 2016, that number jumped to 28 percent, and as the Baby Boomer population gets older, those numbers are only expected to grow.
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My heart goes out to everyone in this situation
Thank you!
sleepypie no such luck. I'm a Portuguese citizen living in Portugal
It Would be nice to connect the elderly to others in same situation to share rent and houses or apartments. There are dating apps so why not this. There could be questionaires, surveys etc. to match up people.
right that helps!
This trend will escalate, especially as/when the economic tsunami hits our shores.
This is so horrible. It could happen to any of us. She was planning for retirement then her and her spouse's health failed. Could happen to anyone. I wish this and all others effected this way the best of luck and blessings.
Except she hadn't planned for retirement...she was just beginning to, in her 50's which is far too late. The reality is that her and her husband spent every dime they ever earned rather than provide for their future and this is the end result.
Unfortunately it's only going to get worse, because they are raising the Social Security retirement age and as it is cost of living and inflation makes surviving on a fixed income extremely difficult not to mention medical expenses.
@@michealtull9033 The only age change they're contemplating is increasing the early claiming age which is a bad decision anyway. As for inflation, I battle that back on a daily basis, grabbing it by the throat and choking it out while I stare it dead in the eyes. Always paying extra for good insurance helps iron out "surprises" and saves in the long run. Besides, saving and investing from the start of your working career gives you options such as retiring as early as age 50...everything after that is just numbers on a calendar.
@@tomj528 the move from early retirement from 62 on the low end to 68 is a big jump. Many people will never live to draw Social Security, and that is probably the goal in raising it . If everything goes great with the economy 401ks might be ace in the hole but then in 2008 a lot of people I worked with got wiped out . Most people are not in the professions or tech industry there wages are not adequate to keep up with expenses. If Trump is reelected in 2020 things might turn around but until then people will continue to wind up on the streets. As far as medical matters I look to Trump to straighten that out to .Anyway lam glad you are doing so well just remember not everyone's life runs as well for instance Cancer I am assuming hasn't visited you yet . Please try to be a little less inclined to blame the victim. These people aren't a bunch welfare cases that didn't work all their lives.
@@michealtull9033 Proposed changes are to move the early claiming age from 62 to 65 (a much better age as you then qualify for Medicare). The full retirement age will remain at age 67. We all went through the same recession, and recovery. Any near retiree that was 100% in stocks was foolish indeed but simply by riding out the market correction would be in great shape as we are. You talk of wages not keeping up with expenses, the reality is that those folks are over spending and it doesn't matter what income level they're at, that's the simple truth. Unlike most, I know from doing. I never look to politicians for anything but President Trump has been absolutely killing it, especially with his TCJA. I think he's wise enough to not mess with our medical system as capitalism yields the best results. Anytime government gets involved it just messes it up. We haven't been touched by something so transient as cancer, instead far more serious, long term and more expensive ailments that upended our lives multiple times. If/when cancer comes calling we'll handle it as we've always done, armed with good insurance, a hard won and huge emergency fund and our long term investments. Lastly, these people aren't victims. They worked and spent every dime they ever earned rather than save and invest for their future and are now living the future they planned. At least if they were honest about it they could help others by serving as a warning and encourage them not to make the same mistakes.
People pay taxes and the government does not do there job. After a certain age people should be tax exempt and receive proper benefits that will keep them housed and healthy
A shelter isnt a shelter if there kicking people out at 6am & denying access after 3pm even if they still have available beds also stuff gets stolen in shelters.
Or bed bugs.
Shelters are run by POS pasters who shove religion down peoples throats, separates families, and turn a blind eye to assaults and theft inside the shelters. Wth? If Jesus was real, he would help these people.
@@philipdefibaugh7127 And what do you do for the homeless besides talk shit about pastors on UA-cam?
@@unapprovedtruth7116 what do you for them you. If you think praying for them and preaching to them about the Jesus or even worse the Obama is going to magically cure them if homelessness than you need to wake up. As for what do I do for them, I'm not obligated to do anything for anyone except my immediate family. I work and pay bills and take care of my family. What have you done for them lately???? Btw real Christianly to insult soneone for having a difference in opinion.
@Carol Howard how long are they allowed to stay at the Shelters? Time limits don't help people get back on their feet.
This can happen anyone homelessness is just one paycheck away.
Solution...spend less than you make, save and invest from an early age. It's a simple as that.
@@tomj528 with the high cost of living it's impossible to save up anything!
landlords raise rent's every year wages are not rising to catch up.
Not everyone is lucky enough to have family for help.
@@winning3329 Funny, we don't have any problems saving thousands each year. Perhaps you should take a closer look at your spending on every single expense and find less expensive or free alternatives as I have done. Could it also be that you have foolishly racked up far too much consumer debt and can't afford the payments? Guess what, that's no one's fault but your own.
@@winning3329 Okay boomer. Go back to pretending you're living in 'Gunsmoke'. My boomer mother favored pretending she was in 'Knotts Landing'....
@@nannerl6243 You should walk a mile in my shoes...it would chill you to the bone and show you that I more than anyone knows the importance and truth of what I'm saying. We've been knocked down by life multiple times (far more than most, not as much as some) but each time I popped back up grabbed life by the throat and choked it out while glaring it dead in the eye. Our financial security is made up of 25 years of good choices and hard won savings with another 20 years to go and we'll keep at it. At our income level, there's no information or articles written about saving for retirement or how to plan taxes, I've had to figure it all our on my own and have discovered new truths that almost no one is aware of. But if you think it's kinder to NOT show that anyone CAN save and invest for a secure retirement and in fact they have incredible incentives to do so including building millions completely tax free, then you do you. As for me, I'd much rather that everyone realizes the truth and can not only retire in comfort and with dignity but do so at an earlier age.
My husband died at only 64. My mom at 53. They did not get to retire or collect social security. They never became homeless. So maybe it's a good thing to die before you become old and homeless? I don't see the point in living if all you can look forward to is losing everything to medical bills and no one gives a rats tail about your situation.
It's just sad that this would ever happen in America.
It's by design.
This is why we need the social services that are offered in other countries like the UK and France. Healthcare expenses will bankrupt you no matter how much you save, especially if you don't have insurance.
Financial education should start in the home but continue in school, just in case kids aren't taught the basics of life. Start saving early in life. If you want expensive things, save for it, instead of buying on credit.
Homelessness has been present since The Colonies possibly peaking during The Depression; but it is much more often men that seem to settle or adjust to these conditions while generally garnering less public assitance.
@@DrgnMage2536 And aren't their taxes also 60+%?
This is really frightening. Thankfully I've been saving since my mid-20s in my Roth IRA, but the fact that these women are so young and find themselves disabled and vulnerable without government to help is extremely sad. This just pushes me to re-evaluate my spending and lifestyle choices so I can save more.
Good for you, Vee!
That is a very smart move! If you have an IRA and you become disabled before you turn 59 1/2, you can collect on it without penalty.
I am so grateful to God almighty because I became disable at the at age of 55 and being not married and living along I could not work because I injured my self on my job. But by the grace of God I brought long term insurance in case I were to become disable. I was on long term disability for two years until my social security disability started. And after my social security had begun, social security max. out my income because I was the only one that supported myself. And still today I am still disable, I give glory to God almighty because I know he is the one that's looking out for me. Please always pray and give Thanks and Glory to God because he will look after you and take good care of his children. Amen.
God had nothing to do with it. You made a sensible decision on your own, and now reap the benefits.
moon Lite, I agree with you. It's so important to remain humble and be grateful for our blessings. Wishing you the best.
Happens in new Zealand too, must make sure you have saved enough money for a campervan
By the time your that age campervans will be worth more than homes.
That is, if you can stay in one! Right now, too many places - especially here in the U.S. - are trying to make it illegal to live in your car, even while they do nothing to alleviate the dearth of affordable housing. It's like they're literally *trying* to kill off the poor and elderly!
@@denisemayosky1955 There is nothing 'literally' about it. They are trying to kill off the poor and homeless.
People are doing it
@@susannordstrom5065 Until they get arrested. The risk of arrest is high and rising.
So why not rent together with other seniors like the "Golden Girls" sitcom?
Because this is a filthy disgusting problem in our current society that shouldn't be happening in the 1st place. When I was growing up the only homeless I used to see were those with family problems or other issues and the occasional hobo in search of a drink. Even drug addicts that I knew lived well enough with a menial job and today with the lowest income u can't even get a hole in a wall. May we burn in hell for allowing this to happen to our citizens that have shed their own share of blood, sweat, and tears while maggots roam about with untold wealth that could not even be imagined during my parents time...
Because they are penalized if they live with roommates. Golden Girls. Funny show but not reality. But it should be
@@tropicvibe I agree that this sort of thing in the past only happened to "those with family problems or other issues and the occasional hobo in search of a drink." But a big part of the problem is how families have shrunk with many people now choosing to be childless. And only children have no siblings to turn to in such situations. In the old days, you had family and community to rely upon. Not any more. Now everyone wants government to do the job of a family.
Gtw- even with roommate's it's still expensive and it can be hell living with a bad roommate.
You never think it could happen to you until it happens to you.
im 49 growing my own food, sold the car, riding my bike to work.
and this decade begging 2020, every job i take will be
within 5 miles of my house ,
..., to save even? the tires
.....on the ....bike.....lloll....
.....Grey Tsunami isnt going to get me baby. ...no way jose...
None of that makes sense not a lot of jobs afford a place to live let alone owning a hone to grow food
@@usefulidiot2842 you can grow more than enough food in 1 sq foot/
So ur paying for a room in a place that costs a fortune ur probably making minimum wage since u don’t have a car and ur growing GMO food in Monsanto stuff got it
At this point, we need only pray that you continue to have good health.
ray bon Is there a video you can link me to about growing lots of food in one square foot?
Very sad what a lot of people are going through. This is why I keep working while I can. It's hard to keep working well into your 60s, but you have to keep saving to be as ready as possible for when life eventually throws us lemons.
Peter Davila, you are doing the right thing. It's important to work and save for as long as we can. I'm able to help others in a small way from time to time too and it makes a difference.
I'm a 33 year old mom of 4 kids whom I stay home with..I can see many of my peers being in this situation down the road. It only takes one sickness,job loss, loss of spouse etc to turn it upside down.
Many of my peers don't have things like Life insurance or rental insurance. For my husband it was 25 bucks to get a 500k policy in his 20s. I too have life insurance..
I'm so sorry for these ladies, but I'm thankful for the reminder to prepare for the future.
Life insurance isn’t always a guarantee. They can find ways to deny pay out.
Could’ve had an abortion.
ua-cam.com/video/-DaFX-LddkE/v-deo.html
Healthcare care in this country has gone off the deep end. It never was this unaffordable it makes me sick!
Every corporation, especially in healthcare, in the U.S. plots, strategizes, and is incentivized to extract and squeeze as much money from you as humanly possible.
You know that you don't HAVE to spend ALL of your money, don't you
@@tomj528 The cost of staying alive exceeds the amount of money that you own or will own. To not spend it means sickness, pain and suffering and then death...Extortion is their real business skill.
@@donnamaco1 That's funny...I'd love to see the statistics on that . Oddly enough, my wife and I live very nicely on
@@tomj528 Thou protest to hard. lol Healthcare in the U.S. is crap.
facebook.com/senatorsanders/videos/10157122813312908/UzpfSTEwMDAwMDg1OTQ2MzQxNzoyODU3MjczMjg0MzExMjky/
54 she looks like 70 what a shame her hubby omg
it's a shame and it's only going to get more common - so these people Now somehow live on a few hundred a week?
my advice is to live on a few hundred a week Before you Have to.
You can't tell me how to live, I'm an American - 'yep, I hear that all the time, times are tough and only going to get tougher
It is better to learn to live with less of everything until we get use to live with the minimun pissible, stop accumulating stuff..it is a burden, living with less and save as much as you can is the key
Being human sucks this is just sad.
gary gerard I’d love to have a few hundred a week
clementino francisco Absolutely
Mickey Kindley ❤️
How about three old women put there money together and share an apartment like the golden girls.
didn't the husband have life insurance?what about income protection plan or invalidity pension?I got sick at 40 and I am not able to work, in love in Ireland and her sick people are not left homeless
Ireland has a better system.
@Julia A I was working for companies similar to Amazon and they were not so bad. Probably it depend what is your background but when I was young I was working at a textile factory with night shifts and that was very hard and I could do that job only because I was young. I also worked as a cleaner of public toilets. That's was not fun. I agree they have to improve their work condition and it seems things are getting worse and worse, but on the other hand I find young people are very lazy and dont want to work. I blame their parents. Also young people seems are not fighting against globalization and the big companies that are enslaving people all over the world a is because the are the first consumers. Look how many gadgets they have and all the fast fashion they are wearing and all the crap food they are eating.
@Julia A I was working in a call centre too and every second of my work was monitored. They were monitoring how many times I went to the toilet. I didn't mind since wage and benefits were good. 30 years ago in the factory was not so much different, I had to take care constantly of the machines and after coming back from the toilet I always found the machines stopped and light flashing. I have never been working in a place where I could chat to my colleagues or spending my time on my smartphone. But as soon as the wages is good and job is secure I didn't mind and after all I am at the workplace to work and not for doing my own business. Unfortunately with the globalization we are becoming more like third world countries. We have a farm and we can be autosifficient I am also old so I really don't worry too much about the future, but I don't see a good future for young people but again their future is in their hand so it is up to them to vote the right politicians, but they seem more interested about what the 16 years old Greta says about climate change than fighting for good work conditions
The lady Rose said of her daughter, "She didn't really wanna change school districts and I didn't want her to have to change." Sooo, even though she knew she couldn't afford it, she went ahead and moved into her car in order to remain in that school district, thus CHOOSING to become homeless?! If she is 61, where is that daughter now? Couldn't she help her mother? In the Filipino community with which I am familiar, both in the Philippines and in North America, it is considered expected for the kids to get jobs at the earliest possible legal ages if needed, and to contribute money, often their entire paychecks, if necessary, to their parents to help the household survive. So in a household of six let's say, there will be four kids working from their mid teenage years and placing that hard-earned money into their parents' hands to help make ends meet. This use to be the case even here, a century ago. Kids were expected to take care of their parents when they got older. And were raised to feel it was a disgrace and shameful if they abandoned their own parents, feeling that after all, they had raised them and owed them "everything." I realize not all homeless have children to help them, but many do! If that societal thinking towards one's parents was still around, we'd have fewer homeless elderly.
Yes, and she says she lived off the husband's death benefit and savings for 5 years!!! That was ALOT of money...did she think to get a job during that time? Save the money??? She says she has a college degree...IN WHAT??? Five years of living expenses spent while you chose not to work??? For a school district?
So very sad and I know the feeling.,,,
A spouse can receive social security death benefits at any age, if they are disabled. I wonder if she can be considered disabled due to her illness?
Ssdi has become a racket.
It takes years to get disability. Can take 2 or 3 years of fighting!
You are correct it is not just given to you I don't know anybody that didn't fight for it. You have to fill out countless papers. See countless doctors for their approval. And then when you finally do get it you constantly have to go to their doctors to keep it.
@@Galaxylord2 yea. My sister experienced first hand. She was denied 2 or 3 times. Was a former nurse and came down with myasthenia gravis and life literally changed in a matter if 24 hrs for the worst. If you dont have people fighting for you your screwed.
@@SignedOff402 My disability is real.
But where is her daughter now? She lived in a car so her daughter would not have to change schools. This is beyond sad but sometimes you need to plan better. I had to sell my home and I took my equity of $21,000 and bought a single wide mobile home. I paid $13,000 for it. I had a friend who did the plumbing and electrical for me and all I had to do was buy the materials. I knew that I could not live off of $21,000 very long if I kept my home. Yes, i worked and was raising my granddaughter who was/is high functioning autistic. I was very, very blessed. I lived in my sweet mobile home for eight and a half years. I am now remarried and have a different sweet home. I am not bragging. I'm very blessed but I do give myself some credit.I understood that I could not afford any more house payments.That's why I bought something that I could pay for.
You should be very proud of yourself as you did what you had to do to be able to live on less than you had coming in. Far more than most folks can figure out. Great job!
@@tomj528 Thank you so much. That means a lot.
You are very smart and live by the old saying "Pray for the best, but plan for the worst".
@@crimesofthecentury2714 Thank you too! I'm a proud (but a good proud) woman. 😊
That was a smart move. You owned your living space outright, and you didn’t have to worry about some landlord kicking you out or the bank foreclosing on your home. I don’t know if you already had property or if you had to rent a small piece of land to house your trailer, but even if you had to rent the land it’s still cheaper than renting a house or apartment.
A friend of mine did something similar - after a divorce, he bought an RV and he lives there. He does have to rent space to park his RV, but it’s a lot cheaper than renting a house. Now that a lot of jobs are remote work, he can drive to another state and live there for a while.
What do you expect here In America
Me too, me too !!
Now days people work and remain poor.
Yup that’s my life and it doesn’t even cover rent but that was the plan from the beginning
"Now days" people foolishly spend every dime they make.
I am in this situation. Very humiliating to say the least.
❤️
I'm so sorry!
How about sharing your mistakes and telling what you'd do different to help keep others from the same fate?
tomj528 I was a political activist and anti-illegal immigration in a town made up of 80% Mexicans.
People do not plan to fail. They fail to plan.
As a landlord and owner of four rentals, I will say that I have observed local and national rents that are completely obscene, adding to the problem of homelessness in everyone. Greed and exploitation of the need for local housing for those with higher incomes, tourists, have squeezed local residents out of affordable housing. Why rent a house at reasonable rates when you can get a whole month's rent in a week by catering to short term needs? Why keep a house affordable when someone with a lot of money will gladly pay much more. Housing is like an auction. It is going to the highest bidder, and it's not the local guy who is working two jobs and supporting three kids. I have kept my rentals dirt cheap ($650/$640 for two houses), ($520/$560 for two small studios includes utilities) because my tenants can't afford a rent increase. This area is near the beach and stores, and rents are double what I charge. The thing is that expensive places can sit empty, as well, for a month or two, since there are lots of overpriced places to rent. Mine don't sit empty, so there is something to say about that for the long term. Greed will kill us. It will.
If there was a law that wages had to rise (increase) with inflation, inflation would stop cold.
You can thank the Federal Reserve for that.
That's why is called inflation. Meaning working low skills job will never catch up.
@@fuckutube9217 Now add automation and AI.
Those just reduce number of employees and they can be buggy and hacked. So they don't count in cost of living.
Buy your own house, no matter how small it is or how 'bad' the neighborhood is. No one can make you homeless if you own the roof over your head.
It kills to see anyone go through this. And it's so unfair for little kids too. But seeing people who worked hard all their lives & lived responsible lives end up on the heap just seems so scary to me.
Prayers pray pray and pray man and woman should always pray every day and night
It's nice these people help with this shelter
It's not just as simple to save and retire.People get sick and their spouse passes away and that takes all your money.Time is is are worse enemy
OMG how awful for folk to have to go through this a Ng mare ah I pray some one helps u all bless 😰💖🙏
I had applied for affordable housing two years ago but i was told that waiting period is minimum of five years. I am 68 . I have disabilities . Have severe depression as well and i am homeless. But there is no one to help me . It's a shame !!
We do not need a homeless tusnami. We do not need it. I feel so sad for these people.
I left the US a long time ago. It has taken longer for this collapse to happen than I thought, but it was going to happen. Never thought differently about that. I live in Mexico, and there are a LOT of Americans here. Want to guess why? Costs a lot less to live here, although it is getting more and more expensive. When I got here, I was paying $50 a month rent, FOR A HOUSE. Lots of Americans living in RVs in trailer parks here now. Maybe you should expand your thinking. And no, when I got here I did not speak Spanish, or Mexican if you prefer. I learned. But there are a LOT of English speaking Mexicans here, not to mention hundreds of gringos, so you can get by without Spanish. Does help, though.
The anger and despair is understandable.
Asians tend not to move away from their parents even when they’re adults. This tend to be frowned on by some. For Asians , this is filial piety. Take care of your elders as they had made the sacrifice for you.
Whats wrong with America ? Shame on your system !
Million dollar companies paying their employees minimum wage like 7 or 8 dollars an hour. And extremely greedy landlords who want more and more money for the same thing.
Its NOT the system. It's people who don't want to take care of their money or are too lazy to work. Or both.
@@nammyohorengekyoooooo this is nothing new. This is how it's always been. But there has been a societal shift towards not accepting personal responsibility for yourself. Now young people expect the government to pay for everything and don't get the concept that SOMEONE has to pay for it. Eventually no one will be earning money, the "rich" will move out of the country to protect what they have [worked their butts off to earn through the years] left and there will be NOTHING left for the citizens to suck off the government programs. ak p, you'd be wise to stop blaming everyone who has been doing it right all these years, and figure out how to accept responsibility for yourself, get your house and finances in order and get your head out of the entitlement mentality. When you see how the world really works, you'll feel the same way we do.
@@SuperDobieGirl Correct.
@@nammyohorengekyoooooo So you watch this bit snd you think you've got the whole story? First of all, that is not the minimum wage. Secondly, you will always have people who live irresponsibly no matter what the nation. What was not mentioned are the thousands of Christian ministries that house, feed, clothe and supply medical to the homeless. So save your lecture.
Everyone needs a guardian angel this time of year. Clarence, are you listening?
This is a horrible situation . I never imagined that it would happen to anyone in Canada . But it's very sad that this is real. It doesn't have to be like this . There should be affordable housing available for everyone in need. No one should have to go through this. Government had to make sure that there is roof over everyone's head .
Well, they all did make the choice not to relocate to a better rental area or climate. They had money and saw the disaster looming over several years and chose not to get it under control. They received the natural consequences of their choices.
Sandy Very true
Projections indicate that homelessness among older adults could nearly triple by 2030.
The population of adults aged 65 and older experiencing homelessness is anticipated to grow from 40,000 to 106,000
My advice is go to UA-cam channel cheap RV living and start planning a Plan B today at least know what you need you need to start small and work up
This is why we need universal health insurance/care
the somalis are in mansions in Minnesota, perhaps we should distribute more correctly
@@RawOlympia give it a rest.
Universal healthcare won’t work either nothing will work with the system were under keep dreaming and being delusional
You have to save for retirement!, had she done this she could have withdrawn from it. Sad situation, but this can be avoided. I do wonder how may of these people looked for jobs aggressively, I mean you can go to most retail stores and get hired.
Retail jobs are not jobs, they are lines toward suicide and nasty customers!
Why can't old people live together it's not Rocket Science
james murphy not easy to find a compatible person and many are too isolated to begin with.
@@jfhow even with technology if we have a thousand date sites why not a few roommate services
@@jamesmurphy9105 I think this is a wonderful idea. The only snag is the American culture is very individualistic, and roommates are only acceptable for young adults at university. Heck, adults over 25 that are still living with family members are looked down upon in the US (versus in other cultures). Other cultures (like UK and Ireland) don’t see any issue with having lodgers/roommates.
Social justice is a dirty concept in the US. I lived 23 years in the US and when I got laid off at 62, I left to return to my home country because there is universal healthcare. It wasn’t my plan. But I saw the increasing poverty, and the lack of care, and I was not going to let that happen to me. I was lucky that I could do that. Go out to vote for medicare for all.
You're lucky you had your country of origin to return to.
Hominini i am very much aware of that.
Upon my return, I also took care of my ailing mom. Three years of homecare, followed by 2 years iin a nursing home. During home care, the universal health care system provided an assistant who came for daily bathing. When she needed an operation, the healthcare system provided free legal assistance to review the hospital bill to ensure that no inappropriate billing had occurred. I was told to not pay any hospital bill until it had been reviewed by health care legal department.
The total bill amounted to 7500 Euros (about $8000 dollar) billed directly to the health care system, and of which we paid 1200 Euros (about $1400).
For the nursing home, the hospital assisted in finding a place in a local nursing home with a excellent reputation. When my mom’s savings had been used up (by providing ba k account info) the government took over, collecting her pension, and filing her taxes. I was not expectied to deplete my own savings as I will need them later on.
P,ease when you vote, vote for a candidate who will fight for medicare for all.
Do you live in Canada?
Francoise Hembert WOW where do you live? You have such a good healthcare system.
I returned to Belgium where I grew up.
Individual health insurance is covered through payroll contributions. We pay higher taxes, but no one needs to fork extra funds to buy a lousy healthcare plan with minimal coverage that is not even guaranteed. If you lose your job, you are still covered. Companies don’t have to be in the business of providing health plans.
People freak out when they hear tax increase. Doing some calculations helps provide some clarity.
Imagine you earn gross income of $25,000 on which you pay 15% taxes (=3,750), that leaves you a net income of 21,250. Imagine you buy a health plan for $600 per month, costing you $7200 per year. Money not in your pocket = $3750 + $7200 = $10950.
Now imagine that your taxes are raised to 25%, the amount is now $6250. Net income is $18750. You don’t need to buy health insurance since you are now covered through a medicare for all type of plan.
By paying $2500 more in taxes you no longer have to buy a $7200 health plan. And now you are covered in case of illness or accident. You change jobs? You are covered. You lose your job? You are covered.
I believe it pays to look at your own situation and run some numbers.
I adding a link to my health insurer website where you can find out how you are covered (if you are interested)
corporate.devoorzorg-bondmoyson.be/international/?gclid=Cj0KCQiA89zvBRDoARIsAOIePbAeiDs0_4bB28spdHdG6DHgVdR5p6scQNMNvOV8macrElb1khgxfCgaAh5HEALw_wcB
Sone clarification: “social security” in Belgium refers to health care and not to pension.
This link is useful for for a bird’s eye overview of the health care system in Belgium
www.expatica.com/be/healthcare/healthcare-basics/the-belgian-healthcare-system-100097/
It is worth fighting for a medicare for all or universal health plan.
This country should do better, at least lower Medicare age and provide low income housing for seniors. America should take care of our elderly.
She didn't want to change school districts and I didn't want her to have to.
So she choose to be homeless. People are crazy.
Move somewhere cheap and rural and you'll be in a house.
Do they have jobs? And medical care for her? It's not as cut and dried as you think!
@@denisemayosky1955 It really is that easy. People just have entitlement issues.
@@IrelandVonVicious Sure sounds like you do. If you're not in that situation, then you don't know the fullness of it.
@@denisemayosky1955 You can say that to anyone about any situation. Sounds like a cop-out.
People need to take responsibility for themselves. How much money do you think that lady has wasted on lattes and fast food in her life.
You don't know the situation either.
@@IrelandVonVicious If she has no kitchen to cook in, how can she help but eat out? Fast food is cheap and filling. And does she get lattes? She may splurge occasionally, but who wouldn't want to feel "normal", even for a short time? Being homeless is a horrible existence.
You can’t plan for a future when they keep moving the goalposts
So many bases to cover...including life insurance.
You do not need life insurance when you are in that predicament if you die they will bury you somewhere and it won't cost you a dime
so many hands out that are immigrants and illegals, none left for the Americans
Raw Olympia I’m sure that’s what’s your favorite right wing propaganda outlet taught you to think. Sorry for your low IQ.
Both parties suck weapons of mass migration is real and is part of a larger issue both parties make a lot money off of and illegals like everything else in this world are just tools just like you and me and everyone
Row OLYMPIA Is OBVIOUSLY A Racist
Own your land or home where there is light building restrictions. You can build a small cabin or a huge house. You start doing this the very first job you ever get. Build a business. It can be something as simple as a cleaning business but it steady income that you can sub out and still make money into retirement.
Whenever you buy a car, make sure the front seats recline. You never know when it'll come in handy. And I'm not talking about getting frisky.
You never say never, but as I'm a Canadian living in Canada the chances of this happening to me are slim to none. America.The land of the have and have not.
So if I'm a Canadian citizen and can't work due to injury or illness I can keep my house?
9000LPT I don’t know about Canada but they would pay interest only on your mortgage in the U.K., allowing you time to sell up for something smaller, what’s the point in making people homeless crazy system
Enjoy those 40% tax rates...double what we pay for taxes and health care combined.
tomj528 taxes in the U.K. run at 22% and anyone who earns less than 12000 pounds pays nothing I don’t know were all this 40 percent nonsense comes from
@@michaelcoles7588 In the U.K. 32,001GBP-150,000GBP has a 40% tax rate. Funny how you don't know the basic facts. However the subject was Canada which sports a roughly 40% income tax rate. Try looking up the facts ahead of time so you don't look so ignorant.
Buy life insurance. So what if you're afraid that she'll kill you. Divorce kills.
This is a shame that this happened. The ladies are absolutely right - if you don’t want to end up in this situation, save, save, save.
You can definitely protect yourself from
this situation, especially if you’re younger. Life insurance for 10x your salary to cover your spouse and children, short-term and long-term disability plans, retirement accounts (IRA), NOT running up credit card debt, and if you can afford it, buy real estate.
What they didn’t tell you where they were going to jack all those prices up and long before you retired so you had no money to retire on because you won’t even be able to Afford a place
This is mainly due to property taxes . No matter how long your home has been in the family, taxes keep increasing u till you cant pay them anymore.
Property taxes are theft from The State = into the pockets of elitists who never work!
Yes unfortunately property taxes is one of the main reason people lose their homes. If they can’t pay the property taxes, the state or county can seize their home. A couple I know lost their house in that way. The house was mortgage-free for years, but when the property taxes kept increasing, they couldn’t afford it, and they couldn’t sell the house in time to move elsewhere (real estate market was bad at the time), so the county seized their home.
@@Jennifer_Lewis_Beach_Living I'm a firm believer in the Second Amendment for these situations. Stealing a person's shelter should come with a death penalty.
Why do we still have a society where people are put into poverty when they fall ill…in the richest country in the world?
I doing everything right but it's still not enough I know one day it will probably happen to me I'm getting old and it getting harder to keep up I have not one who will take me
A sad fact is that we have millions of young, capable of working people living in luxury section 8 housing, while elderly people who have actually worked most of their lives end up in a shelter bed. Where is the justice? Have 40 kids you cannot afford and you will get a nice place to live, paid for by the tax payers. Make poor choices as an older American and get nothing.
😢😭🙏🏾
Yep. That's why even at 30 people think I'm crazy to work long hours, ignore relationships, and save like I do. But when I'm 60 itll all be worth it..
TangyLid....Very good, ...but always have balance!....Life is short and there are no guarantees.
@@seventhchild7270 I agree. Save and spend wisely TangyLid, but enjoy your life!
Just to be clear, I work long hours, but also have fun! I dedicate 4 hours a week for ice hockey, and usually have at least my sundays for fun, relaxation (I call them mini vacations 😊). Sometimes I take my little aluminium boat out on the weekend, cast a line, and crack a cold one with a buddy. I suppose I dont need a whole lot. I never been much into the bar, or partying for that matter. Been out of country(europe, southeast asia, australia), the usa is still the best place to live and work. One thing I'd like to do however is see more states here at home. This last summer I took a week off and went to wyoming for fly fishing and camping, sight seeing.
Hope everyone has a good christmas with family. I know I will!
@@ajbee4790 what do you like to do for fun? I'm always open for new ideas to get out of the grind lol
@@TANQ31 I hike just about every day, and I spend time with family and friends when I can. I totally believe in balance, and it sounds like you do too. I don't waste a day, LOL!
Usa # 1 for you
I would be the same boat If I wasn't married. My pension is only 1100 after tax that's not enough to cover rent I'm 63 I'm waiting to I'm 66 so get 100%.
Collect SS now. It equals all out in the long run. Your checks are just smaller because your collecting over a longer period of time. This waiting to your full retirement age to collect 100% is a scam. I used to think the same as you till someone told me.
The workers in the SS offices literally laugh whenever someone calls in to delay their benefit, after they hang up, of course.
Are these Bad people Why don't they have any family support now if I had a bum sister I would let her live in her car A friend of my is a bum and no family is interested helping him because he a bum Collage grad but he is arrogant now he in Florida Living in his car with another bum
Looks like some people will have to invest in purchasing a yurt together; and call it their home!
This is the reality for most working people that don’t make very much money and get older the government just throw away
OK 2:40 - she lived off her husband's death benefit and savings for 5 years....did she think to get a job or education during this time? Obviously if you can live 5 years without working you were left a tidy sum. I'm sorry but why weren't you working and saving? You say you have a college degree? In what? If you had five years of living expenses you could have bought a little house or condo. Could have afforded to learn a skill...and she wants to stay in a school district???? Come on, you are responsible to support yourself.
Common under-theme, these people rented. NEVER rent - own your home.
These people rent because they can't afford to buy a house. "Own your home" means having no mortgage on it. If you still have mortgage on your house, you do not own that house. You will end up just like the renters! No one plan to fail, they just failed to plan. Just like the recommendation in the video. Save, save and save. And also live within your needs(shelter and foods). The rest is wants. Stay away from them!
Move to a blue state, home costs are a fraction of costs in Seattle.
Is it still going to be called The Gray Tsunami when everyone becomes homeless in a very short time from now?
if your Born before 1980 you better look at the wall and read the writting.
cuase theres a whole bunch of writting on it.
and that is theres no future for you in big city or costal america.
you gotta take your show to the north west or central states.
as time rolls on you wont be able to put out
the level of work needed,to live in urban america.
There are many options available for those zeroing in on retirement that have inexpensive living. I agree with large cities not being good options but disagree with you leaving out southern states as being choices. Rural Texas, New Mexico or Arizona would be excellent choices for inexpensive living in retirement.
And let's not leave out foreign lands. Mexico, the Caribbean, Europe, the Philippines and many countries offer low crime, low taxes, US friendly population/govt and inexpensive living.
I moved to Europe 13 years ago and to this day couldn't be happier. $120/mo for a large 2-bdrm apt in a 60s well built 2 apt building w/garage, elec was $10.35 last month, water and trash is fixed at $11.06, internet $14.60/mo, health insurance under $200/mo. Living large on SS and a small pension.
@@snakechrmr6398 where in Europe
@@nordette Moved from Tx to Portugal in Jan '08 and on to Serbia Oct '17.
the south has deteriorated alot as an option. immigrants have over run many stable souther cities and will end up de stabelizing the cost of living as they do everywhere else. so the south even west of apalachia or I 95
east of mississippi is largely comprimised. and has begun to inflate and begun down the road to socio economic strife.
the only places immigrants are unable to stand up a presence is where there is no economy. monatana dekotas west kansas west nebrasaka utah west okalahoma western canada alaska.
where ever immigrants are inflation and social strife takes off exponentialy.
and displaces everyone and everything.
except for that person under 35. who can just power
his or her way through with raw hours 80 + a week.
but the rest of us north of 40. we are deep crap.....lloll...
so i already gave up my car, started growing my food,
changed my diet big time,
and this decade to lower expenses will be working local only.
it really is a tsunami. its immigration and the damage it has cuased to jobds and supply chain of cheap housing food. then its automation creep which has begun its creep. then its our older age managers are begging to give us that long look older people get. then its the catastrophic social inflation immigrants have created where services are taxed to the absolute maximum. there are people everywhere, trains buses waiting rooms with no seats.the farms and housing supply cant keep up essentially. so prices go up cuase of immigrants, and there economic strife,
so the 10 percent like in this video who cant afford to live, dont sit down that like year. they stand up for a few months....
litterally like musical chairs....
till something loosens up somewhere.
Many people now are living paycheck to paycheck, so what happens if they lose their job or become sick, especially in their 50s?
You’re looking at it.
should have saved more
Nothing to save! Wages are not livable, everyday costs too high!
GOD HELP us all.this is getting out of hand in US.corruption is eating the way of life many sectors in society.and that's not only in US but around the world
the eye in the sky THERE IS NO GOD
@@OneLove-vn2yo I see GOD everyday in my life.you must be blind.spiritaually!
I SLEPT IN MY CAR, WHILE STAYING WITH FAMILY MEMBERS. I COULD NOT STAY IN THIER HOME, AT TIMES DUE TO THEIR VERY ILL DOG, UNCARED FOR IN A PROPER WAY. THE INFIGHTING BEWEEN THE FAMILY MEMBERS. SO, I SLEPT IN MY CAR, IN VIRGINIA, IN HIGH, HIGH HEAT. HORRIBLE! MOSQUITOS, HUMIDITY, AWFUL HEAT. THE HOME THEY LIVED IN WAS (4) STORIES, AIR CONDITIONED, NICE! NO CHILDREN AT HOME. NO ROOM FOR ME! NONE! TH EINFIGHTING, THE AWFUL CONDITIONS, MY CAR WAS PEACEFUL, QUIET AT NIGHT AND SAFE INT HE DRIVEWAY.
One check away ,and that check is not gaunteed
My mother is the same age as these women. She says she's unable to work, but could readily do any less physically demanding job. She's easily seen a few million pass through her hands during her adult life. Now she's broke, in massive debt, alone (after 3 marriages), and expects my brother and I to host & support her (insisting we're bad children for not letting her smoke in our homes and sneaking cigarettes in our bathrooms like a degenerate teen).
She's caused her own health problems (lung issues, and heart problems through prescription med abuse). Didn't you wonder about the lady AND her husband having cancer? She's caused her own financial problems ($7000 beany baby and $9000 McCoy pottery ebay collecting; no saving; cashing out retirement plans along the way; lavish vacations too numerous to mention).
She insists she's been opressed and victimized by her exes and her 2 children (even though my brother and I have been keeping her from being homeless) and positively GLOWS when some one heaps pitty on her as if she's being showered with compliments.
She lies to get pitty. She told people in our community that my brother(a pharmacist) steals from her, that she paid for his wife's college, that she keeps my children for free while we're out all hours (I won't trust her to keep them any length on account of past issues and smoking), and that the reason she runs out of her meds too quickly is because her children and their spouses steal them....
Yes boomer, there are consequences for living your life in this manner.
Despite having the best economy, healthcare system, education, and massive inheritance from their parents generation, they've managed to squander everything (including their health). They're so angry that they can't get their Social Security early, and refuse to work until max benefits at 70. The rest of us will just have to foot their care and maintenance, knowing such things will never be available for citizens in the future, and suffering the breakdown of family and community their selfishness & negligence have left.
One other thing. Many boomers, at least in my circle, have had to be caregivers to sick or dying parents. Because people are living longer and longer. I’ve had to do it twice. It meant financial hardship because we relied on my income as well. But, it was necessary. Our lousy medical system in this country means people are sent home sick and dying, and can’t take care of themselves, and there is no after care. No relative of mine was going to end up in some dirty depressing nursing home as long as I was breathing!
@@MexicobeanpoleMy Papaw died (in 89) logging alone with a tractor. The chain slipped. He was found when his brother in law stopped to offer a hand after work. I have 3 uncles who were all grown. Any of them (or their sisters) could've been helping that day. But he went quick and as painless as you can go without drugs.....
His wife wasn't so lucky.
He had over 800 acres, raised live stock, various stocks and bonds, and a two million life insurance policy. He was a veteran and the most knowledgeable, capable, and awesome man. He came from nothing (depression) and raised his children with plenty through hard work.
He gave all 8 children land while living, All but one sold it quickly and only 2 of them used the money for anything good.
All children were left an equal share of everything. Still they squabbled til there was nothing. Then, they managed to dissolve Meme's living will provision, presenting papers my grandmother swore she never signed (only 1 of my uncles didn't participate). They kicked her out of her own home that she'd raised them in, and sold what little was left of the remaining farm. This went on for years.
When they found out she had liquid assets (a member of her church was helping her find a small place in town) they had her declared unable to take care of herself. My Mother and 3 of her sisters and 1 brother provided false testimony. Then these 5 siblings squabbled over who'd be the power of attorney til there was nothing left. They just stuck Meme in the nursing home until she died. None of them would take care of her and she died before I had the means.
All of them but one have ended up this way, claiming their daddy loved money so much he was never home...
My uncle move back after he was married and had his first son. He managed to buy up nearly 200 acres and the old home place.
He became a farmer.
He and my aunt invite every one each year for Christmas eve lunch. None of his siblings ever come, but some of us cousins do. We'll attend this evening.
Only my uncle and 1 of my aunts even stayed married the first time. I'm certain that NO amount of life insurance would help any of them.....
@@Mexicobeanpole You and a few I've met (like one of my uncles) are the exception rather than the rule.
My mother was born in 58 and she was the middle child. (Please see my comment to the other)
Both my parents are infantile and narcissistic with the impulse control of a teen. Mine and my husband's fathers were absent. We were latch key kids while our mothers dated and were "80s ladies" (song reference). None of our parents and few of their siblings or peers are better.
In hindsight, my husband and I are glad our fathers were not present. Our half siblings suffered much worse than neglect.
My best friend's father bought a house at auction ($15,000), put ten grand of work into it, then had his girlfriend cosign for her (his only child) to buy it from him on an ARM at $80,000 (she was 18).
Another's credit was already ruined at 18 because her mother had used her children's SS# to finance various things, open credit cards, and keep on delinquent utilities.
My husband's best friend has only the big toe on his left foot. His biological mother and father left him alone, in a freezing efficiency, for two days, as a toddler. The neighbor broke in when the crying became continuous. He was soiled, wearing a crawler, and only one sock. The frostbitten toes were not saveable.
Friends, co-workers, and acquaintances all have similar and varied experiences. While I've heard of individuals like yourself who've taken on the care of their parents, I've only personally only met 2. My father's brother's ex-wife took care of her mother to keep from loosing her mother's house (that my ex aunt lives in) to the nursing home. And a coworker who took care of her widowed mom just because she loved her (there was no gain).
You are the exception.... Not the rule. We say 'boomer this and that' because we have good reason.
I'm fairly certain it was public school indoctrination, because I (and my peers) received a heavy dose as well. This is the only way so many people across varied upbringing and economic backgrounds could behave so similarly.
I (like most of my peers) grew out of the selfish, entitled, communist foolishness....
I watched my mother burn through half a million dollars in 3 months with no asset to show. There's NO amount of life insurance that will help any of these people, and their children will be left to clean up.
@@ashleyhavoc1940 I had bad parents too that did same with my grandfather's estate. You just have to get past it and lead your life. The anger is not good for you or your health. And yes, sometimes you need to cut toxic people out of your life. The less drama the better.
Some loving daughter you are! (NOT!) telling the world about how you think of your mother; who cared for you when you were unable to care for yourself. Shame on you
The Other American Dream. Americans who planned to spend their retirement living in a warmer climate such as FL or NM and enjoy "the good life." They planned for it, retired, relocated to the place they chose only to find out that it has become beyond their means because of losses from the Great Recession or other conditions over which they have no control. Now retirement life is about survival for these people. Sadly, they have to make big changes to their lifestyle which includes luxuries and amenities they value so highly yet are no longer within their reach. They now must be resilient and willing to give up the affluent lifestyle that they had planned for. Reassess their values and realize what is really important to them other than a materialistic lifestyle.
i don't think any of the ladies interviewed would fit into this category.
No one ever said life was easy. Most of these comments just want the gov to take care of them because they couldn't do it themselves. Some easy lessons here. Stay out of debt, don't live beyond your means, no new cars, if you cannot afford children don't have them, learn a skill that is marketable in this society. And work hard and SAVE. Millions still come here and bust their butts and in 5 to 10 years they are well off. The reality is yours to make but it is not easy.
Life does not work that way for most people! Ray is living in Lu Lu Land! The old school ways no longer are enough and most of the time do not work because jobs are not livable and most of the time temp to hire ( meaning, bait and switch to get you in and out risk free to corrupt employers ).
conditions in the fish tank has changed
@@nullnull7067 You sound like a failure. You have no plan and certainly not tough enough to succeed at anything other than failure. Nothing has not changed other than weak people who can do nothing but give up and complain that life to so tough for them. The brass ring is still there but you have to really want it. I did and i got it. As far as jobs are concerned you need a marketable skill. The good paying jobs are out there but you need a STEM degree and then you can start at 6 figures plus a year.
Andrew Yang’s freedom dividend would be a huge strengthened of social security. It would be enormously healing and transformative to our country. Yang2020.com
Our nation needs to start looking out for it's OWN !
WE SHOULD BE OUR OWN FIRST PRIORITY !
You Must Put Your Own HOUSE In Order or How Can You Help Others !
UNITED STATES OF AMERICA. !
A House Divided Cannot Stand !
CONGRESS AND SENATE !
America is SICK !
AMERICA MUST HEAL HERSELF !
Shouldn't have paid the medical bills your home is more important
💟🏳️🌈Beautiful and 🥇homelessness but I LOVE You Forever BEAUTIFUL!‼️💚✝️
Why did they not have life insurance for themselves and their spouses? It's common sense.
YOU WORK YOUR ENTIRE LIFE AND THEN LIVE 130 PERCENT BELOW POVERTY. AMERICAS RULES
Yes and let this be a lesson to you young people especially millennials that spend every penny they make usually BEFORE its earned (credit cards)
If you don't want to end up in this wave, you better stabilize your finances while you are young. My best advice is to invest in the 401k especially if your employer matches it. Contribute at least the match. You will NOT miss pre taxes 5% of your pay and IT ADDS UP FAST. Leave it alone and NEVER NEVER borrow it. You have to pay it back. Second, save up and BUY YOUR RESIDENCE. All I could afford was a mobile home. So I got 1, 000 together and bought a "we tote the note" in a park. I paid off in 7 years, then between that and getting my credit cleaned up in those 7 years, I traded that in for a NEW mobile home and purchased the land I out it on. I'm almost done paying for my home 20 years later, it will be paid for by the time I retire in 3 years and I will be able to survive my old age with what I put away and social security. I have never earned more than 40 grand a year, and that's only been the past 2 years. Stay out of debt, buy housing you can afford, keep (or get) your credit straightened out, and you'll be just fine. You don't have to be rich. You just have to have a plan, a goal and learn that you can't have everything you want.
Millennials have far fewer credit cards than Gen X and Boomers on average. They are very much an anti credit card generation.
Men are more likely to be homeless yet this story only depicts homeless women. Is this what makes us more likely to care?
@CC B haha. Resentmemt comes from us all. Much like your reply. I never said women shouldn't have a say. Did I? My, you are so touchy.
How did forcing your children to go to school against their will work out for ya?
This is unbelievable! This should not be happening in the USA!
Mostly caused by skyrocketing medical costs!
Not true.
There is more to the story. Lack of Financial Education starting from grade 6 to grade 12. As a result, financial ruin. These people spend and spend on shopping nonsense. No savings, no IRA, no knowledge of the currency system, banking, usery, and poor voting choices, due to a lack of knowledge about real economics. All by design.