>>I am looking forward to retirement in perhaps two to four years. My $1170 from Social Security will pay one half my rent in Silicon Valley. My choices are to work until I drop or become homeless. Perhaps I can take some lessons in being homeless.
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>I'm sure this is going to come out as though I'm making some sort of sarcastic comment, but that isn't my intent. Isn't moving to a less expensive area a better alternative to the two you listed? There are a lot of areas in the country where that money will go a lot further.

Paul;

Your comment is well taken. My wife and I are talking about where we will live. I am fourth generation San Franciscan, and have about 120 relatives living in the San Francisco Bay Area. Being homeless and living here is not an option I wish to embrace.

Tom