Thank you for sharing your situation and experience with me. I am 42, so social security retirement is not an option now, but thankfully I found out that my work has short term disability, so I am going to apply for that asap. My husband and I are starting to talk about what bills to consolidate, what bills to cut, etc. Luckily we are headed into spring, because heating and energy costs have been high this winter.

Again, I really appreciate that you have taken the time to share your experience and what you’re going through.