My husband had to retire earlier this year, his body was just giving out from the job. He repaired phone cables and lines--he has problems with his knees and shoulders. We were hoping he could make it to 62, but he just couldn't do it. We're trying to get him on Social Security disability, but that's a crap shoot at best. I found a job, but it's temporary. So we're living off savings right now and I hope it holds out for another year. If I end up unemployed, I don't know what we'll do. 
Fortunately, he has a couple of annuities that will start up next year and he will be 62 just over a year from now, so I do see a point when it gets a little better for us.
I know what you mean when you say the days of a decent income may be behind you. Our youngest son is 17 and we have a 24 yr old son who can't find work anywhere and is living with us again. 
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