My wife was medically retired, and we dropped to one income. The medical bills grew, and I pay more In medical than mortgage. We ate all the food I had stored in case of some problem. (It proved it's worth.)
I will likely be working the day I die. I pay for all my outdoor activities by recycling metals, and the market for metals is very low right now. (Not worth the gas involved, let alone the time).
We have been doing the online auctions and been doing surprisingly well at buying, assembling and reselling. It's not like having another full income, but it is close. We are beginning to rebuild the food stores.
We will not be filing bankruptcy at any time.
