This made my heart ache. I have felt that feeling of “buying time” so often. I have always worked in teaching and nonprofits and now freelancing, so I’ve always had a very low income — so low that there hasn’t been enough to build a retirement fund. I have enough to last me for one year, and the stock market is making a mess of that little nest egg as we speak. I will have to work until the day I die, and as you can imagine, I have a lot of fears around that. But I try to focus on TODAY and doing what I can TODAY. xoxo