At age 61 with a 'nice life style' and some savings, I am trying to face a potential future of 'mcp' (middle class poverty) if I don't change my cavalier behavior towards money. Husband and I have fixed expenses that exceed income. There is still time to conserve savings if accepting probability of mcp leads to more responsible spending. Your feeling comes thru and may help me face reality.



So what do you do now to survive? Rachel