[TomGuy]

Maybe one of these days interest rates will go above zero and I can be a little freer with my money.

For a while after forced retirement due to health, I used the interest from savings to at least pay the basic utilities. Interest rates fell year after year. Now, the income from interest doesn't pay for one weekly trip to the grocery store. Many who did save are now having to spend their principal because interest rates are 1/2% or less.

[wayoverthehill]

I had to retire sooner than I had anticipated too, due to health issues. I was 72 when I retired and was 1 1/2 years short of the time I needed to qualify for a small pension. 5 years ago my savings were generating the same amount of money as the pension would have but not any more. Still, I live very frugally and just pray that some calamity does not strike.