Social Security benefits not included in your FAGI are considered income, except where a locality has opted to exclude them from income. I offer these ideas: House sit.When individuals go on long trips or work out of the area, they sometimes need to hire people to live in their house. We'll explore how you can retire even without savings to rely on. First make sure you have your own financial and retirement plan sorted out. About one in five people over age 65, or approximately 11 million Americans, are still working, according to the Pew Research Center. The consequences of not saving enough for retirement can play out in numerous, yet subtle, ways. There are tons of programs out there that give discounted rent, utilities, food, practically every essential item out there. Unfortunately, most Americans are not saving nearly enough for a comfortable retirement. Comprehensive directory of the elderly assistance programs in all 50 states, and territories.