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October 7, 2006, 11:12 am PDT
10/11 One Paycheck Away
Quote From: model26Dear Dr. Phil and Staff, My family needs some advice and help. I had to undergo 2 major surgeries and missed 20 weeks of work and income due to cancer and it snowballed us.We don't know how to get out of this rut.We are scared we could lose everything that we have worked so hard for.My dream would be to find a sponser to help us get out of this mess.We are living paycheck to paycheck.It is so scary.I feel depressed alot because if I wouldn't of gotten sick we wouldn't be in this mess.Please help us.Thanks,Jodee I am very upset with the previous message to this person's cry for help. It doesn't matter how much you've saved or how well you've planned, when a major illness strikes, you and your family can be financially destroyed. (Instead of blaming people who have gotten sick, we need to blame the real culprits - our fat cat government. All those congresspeople and senators have just about the greatest health care benefits and pension plans on the planet. The rest of us, even us hard workers, find our company health plans being cut, pensions diminished, etc., etc.) People who have never faced a devastating illness have NO idea of the financial AND emotional costs a family can face. My husband and I have been through this. We are no longer young and have come to the sad realization that we are never going to be able to retire. Never. I survived a serious illness, our daughter has a serious illness for which there is no cure (neither she nor we can afford her prescriptions), and my husband was downsized from his job and it took him two years to find another - at one-third the pay. All our savings, investments, everything, are gone. We live from our paychecks to our next paychecks. Our son is putting himself through college - three part-time jobs, scholarships and loans and grants. (Sometimes he can't afford to eat for a day. Don't say anything against the younger generation!)
Yes, there is help for homeless people but in no way is there enough help. At one point we were afraid we would be on the street. We found out we could not stay in a shelter together. My daughter and I, if there was room, could be in one place, my husband - if there was space - could be in another and our son, at 18, would have no where to go. He'd be out there, alone, on the street, all night. Do you think I could've slept? We decided the woods would be safer and we could be together. Thankfully, we squeaked through and it didn't happen. I never dreamed that at 60 years old, after a life of saving and planning, we'd be facing such an option! I am afraid. If I had the money, I'd help this family. I'm sure Jodee didn't ask to get sick. My daughter didn't ask for her condition. I didn't ask to get sick.
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