This is me. I have done relatively well but have been single income and as I started making better pay my wifes medical issues got to where it was a decent chunk of change. So we have always lived far below our means because of extraneous costs. Lost my job like two months before th election. Almost got one about a month in but the other guy scored half a point higher on the assessment. At that point things just dried up and stayed that way for awhile. Its recoverd some but between the lethargic pace of hiring, ageism, and worse having no tech work for going on two years. Well I know im not a sought after canidate at this point with the current attitudes. I subsitute teach but you can’t get a regular amount of work out of it. I keep hoping I can finagle something but so far nothing I have tried has worked. I was kinda lucky because we were used to saving for big bills and we stay away from debt to deal with what we have. Our place is old and needs renovation and we had been saving for that specifically do get disabled things in the bathrooms but also elsewhere. That has been what we have been drawing from. I have looked up on drawing from retirement accounts without penalty. Its kinda funny because I saw many a well of boomer not retiring even when they could into their 70’s and such (never understood why someone would not want to retire). Looks like we are getting the opposite.