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Forced retirement and Social Security

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
Some of you know this story, or part of it. There’s really no decision to be made, I have no choice. I was furloughed from my job on Apr. 5., getting unemployment benefits that are 25% of my take home salary... and I’m at the max. rate of benefits. The $600 federal PUA supplement helps but it’s still not my salary, and there’s talk it may end on July 31, or be extended through August. Savings are completely gone. I send my rent payment in chunks over the course of the first 2 weeks of the month. My landlord is a very nice couple who completely understand. But that’s not the point.

On June 25 I got a phone call from my boss and one of the HR directors that my job was eliminated. I am 1 of 6 in my group of 16 who have been terminated. That’s something like 37% of the local IT group. I was the systems admin. plus tech support for the applications development and QA teams. I don’t know what they’re going to do when things that I handled transparently will happen, but oh well, :shrug: it’s not my problem. In one 10 minute phone call, almost 23 years on that job was swept away. But they did say “thank you for your service”. In fairness we’re getting a severance package of 1 week per year of service. That will be a big help.

My health coverage was also terminated, of course. They’ve graciously :rolleyes: offered to foot 50% of the first month’s cost of COBRA, but after that I’m responsible for the almost $600/month premium. Yeah, uh, no thanks. Private health insurance is not much better. When my meds run out and I can’t see the oncologist or my internist or pain specialist I guess I’ll let nature take its course. Maybe 63 years has been enough to fulfill my dharma (my duties, reasons for being here). :shrug:

I won’t find a job in my field, not at my age and in this economic and social climate. I probably won’t find much, if anything, not full time anyway. Part time plus the adjusted partial unemployment would still only equal what I’m getting now. This is what’s happening to older workers. And yes, it’s documented. It’s not just sour grapes. Companies are slick in avoiding allegations of age discrimination but it’s exactly what they’re doing.

So, the only really viable option is retirement and Social Security. I lose $600/month because I’m only 63; at 66 1/2 I get the full SS amount. That’s still only half my salary. But I’m not going to wait, I can’t... I’m tired after over 40 years in IT and corporate in one form or another. I’m tired of the business world bull****, games, politics. I’m not looking forward to a round of interviews, if I even get any, as if I’m a desperate loser begging for a job. It’s time. I still can’t get Medicare until I’m 65; I still have the medical coverage issue. I can get a part time job up to about $18,000/year with SS. Maybe I’ll go back to being a bank teller. I did that in college and liked it.

I almost walked out of the oncologist’s office, phlebotomy line still in my arm because the billing manager came in brandishing a statement showing I had a balance. I said I would check with the insurance company (I still had coverage). She said check all you want but this is what you owe. I said hey, I’m out of work and doing the best I can. She raised her hand dismissively as she left the room and said “everyone has problems”. I called the office the next day, told them what happened and canceled my follow ups. They apologized, said they’d take care of her and please don’t cancel my appointments. I’m not going back [funny thing, I got a call just now as I’m typing this, confirming my next appt.]. I said cancel it, for the reasons I mentioned and because I don’t have the money to get my brakes fixed, so I have no transportation.

Soooo... this is what’s happening to people. I’m not going to give my thoughts on why this is happening; though I will say it didn’t have to. I’ve stayed away from the forums and discussions because I do have a dog in the fight, and feelings that no one, and I do mean NO ONE is going to change. People have their opinions, but they’re not experiencing what we’re experiencing. When they do, we’ll talk.

So there it is... another over-60 being forced into retirement he had no intention of taking for a number of years more. And if I sound angry and bitter, and hurt, that’s very perceptive... I am in ways no one can imagine.

“Frank sits at home ‘cause he lost his job.
He plays guitar all day, drinks and cries a lot.

Many people love him for his happy smiling ways,
But the sadness inside him never goes away.

He thinks to himself ‘I had it all, now there’s nothing left!’
Now his life is changed in a way he can’t accept.”

Maybe one day, hopefully soon, things will change for the better, all around. :)
 

Altfish

Veteran Member
I'm in a similar but a lot better situation because I live in the UK.
I've taken early retirement, I planned to finish next May.
BUT we have the NHS, so don't need any medical protection scheme. For the life of me, I can't understand the US's reluctance to Affordable Care for ALL.

My pensions are not great and we'll have to be careful until my and my wife's state pensions kick in, mine in 9-months, my wife's in 2-years. Luckily we have paid the mortgage off, so have no worries in that area.

Good luck, hope it works out for you.
 

ChristineM

"Be strong", I whispered to my coffee.
Premium Member
Some of you know this story, or part of it. There’s really no decision to be made, I have no choice. I was furloughed from my job on Apr. 5., getting unemployment benefits that are 25% of my take home salary... and I’m at the max. rate of benefits. The $600 federal PUA supplement helps but it’s still not my salary, and there’s talk it may end on July 31, or be extended through August. Savings are completely gone. I send my rent payment in chunks over the course of the first 2 weeks of the month. My landlord is a very nice couple who completely understand. But that’s not the point.

On June 25 I got a phone call from my boss and one of the HR directors that my job was eliminated. I am 1 of 6 in my group of 16 who have been terminated. That’s something like 37% of the local IT group. I was the systems admin. plus tech support for the applications development and QA teams. I don’t know what they’re going to do when things that I handled transparently will happen, but oh well, :shrug: it’s not my problem. In one 10 minute phone call, almost 23 years on that job was swept away. But they did say “thank you for your service”. In fairness we’re getting a severance package of 1 week per year of service. That will be a big help.

My health coverage was also terminated, of course. They’ve graciously :rolleyes: offered to foot 50% of the first month’s cost of COBRA, but after that I’m responsible for the almost $600/month premium. Yeah, uh, no thanks. Private health insurance is not much better. When my meds run out and I can’t see the oncologist or my internist or pain specialist I guess I’ll let nature take its course. Maybe 63 years has been enough to fulfill my dharma (my duties, reasons for being here). :shrug:

I won’t find a job in my field, not at my age and in this economic and social climate. I probably won’t find much, if anything, not full time anyway. Part time plus the adjusted partial unemployment would still only equal what I’m getting now. This is what’s happening to older workers. And yes, it’s documented. It’s not just sour grapes. Companies are slick in avoiding allegations of age discrimination but it’s exactly what they’re doing.

So, the only really viable option is retirement and Social Security. I lose $600/month because I’m only 63; at 66 1/2 I get the full SS amount. That’s still only half my salary. But I’m not going to wait, I can’t... I’m tired after over 40 years in IT and corporate in one form or another. I’m tired of the business world bull****, games, politics. I’m not looking forward to a round of interviews, if I even get any, as if I’m a desperate loser begging for a job. It’s time. I still can’t get Medicare until I’m 65; I still have the medical coverage issue. I can get a part time job up to about $18,000/year with SS. Maybe I’ll go back to being a bank teller. I did that in college and liked it.

I almost walked out of the oncologist’s office, phlebotomy line still in my arm because the billing manager came in brandishing a statement showing I had a balance. I said I would check with the insurance company (I still had coverage). She said check all you want but this is what you owe. I said hey, I’m out of work and doing the best I can. She raised her hand dismissively as she left the room and said “everyone has problems”. I called the office the next day, told them what happened and canceled my follow ups. They apologized, said they’d take care of her and please don’t cancel my appointments. I’m not going back [funny thing, I got a call just now as I’m typing this, confirming my next appt.]. I said cancel it, for the reasons I mentioned and because I don’t have the money to get my brakes fixed, so I have no transportation.

Soooo... this is what’s happening to people. I’m not going to give my thoughts on why this is happening; though I will say it didn’t have to. I’ve stayed away from the forums and discussions because I do have a dog in the fight, and feelings that no one, and I do mean NO ONE is going to change. People have their opinions, but they’re not experiencing what we’re experiencing. When they do, we’ll talk.

So there it is... another over-60 being forced into retirement he had no intention of taking for a number of years more. And if I sound angry and bitter, and hurt, that’s very perceptive... I am in ways no one can imagine.

“Frank sits at home ‘cause he lost his job.
He plays guitar all day, drinks and cries a lot.

Many people love him for his happy smiling ways,
But the sadness inside him never goes away.

He thinks to himself ‘I had it all, now there’s nothing left!’
Now his life is changed in a way he can’t accept.”

Maybe one day, hopefully soon, things will change for the better, all around. :)


I feel for you. Its a really **** situation this pandemic has droped so many people in.

I don't know if you have been paying towards a pension plan but whether yes or no, can i offer the suggestion that you put as much of your severance pay, agood percentage of the 20 some weeks pay into a pension fund. The returns aren't that great but it will ensure you have an extra few dollars to fall back on each month.
 

Thief

Rogue Theologian
not sure if I can retire
my early in life employments were far less than looking to the future
the early jobs simply had none

the one I have now will soon end if I go the way of Uncle Sam
but that is only one cut above the poverty line

if this employment goes on......and if I can go on
I will likely die on the shop floor
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
I'm in a similar but a lot better situation because I live in the UK.
I've taken early retirement, I planned to finish next May.
BUT we have the NHS, so don't need any medical protection scheme. For the life of me, I can't understand the US's reluctance to Affordable Care for ALL.

My pensions are not great and we'll have to be careful until my and my wife's state pensions kick in, mine in 9-months, my wife's in 2-years. Luckily we have paid the mortgage off, so have no worries in that area.

Good luck, hope it works out for you.

Thanks. Well, there’s big $$ in insurance and pharmaceuticals. We have Medicaid, though there are restrictions. Probably the biggest one us that many doctors don’t take it and won’t see the patients who have it... they won’t get paid.

Admittedly I know next to nothing about what Obamacare is or was because I didn’t need to know. My health coverage through my company was great. I have to praise them for their benefits.
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
I feel for you. Its a really **** situation this pandemic has droped so many people in.

I don't know if you have been paying towards a pension plan but whether yes or no, can i offer the suggestion that you put as much of your severance pay, agood percentage of the 20 some weeks pay into a pension fund. The returns aren't that great but it will ensure you have an extra few dollars to fall back on each month.
I feel for you. Its a really **** situation this pandemic has droped so many people in.

I don't know if you have been paying towards a pension plan but whether yes or no, can i offer the suggestion that you put as much of your severance pay, agood percentage of the 20 some weeks pay into a pension fund. The returns aren't that great but it will ensure you have an extra few dollars to fall back on each month.

I had a small pension plan at work but I needed to withdraw it. Fortunately I was at the age I won’t get zapped by the IRS for the withdrawal.
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
not sure if I can retire
my early in life employments were far less than looking to the future
the early jobs simply had none

the one I have now will soon end if I go the way of Uncle Sam
but that is only one cut above the poverty line

if this employment goes on......and if I can go on
I will likely die on the shop floor

I didn’t plan to for a number of years yet. Maybe this is a blessing, who knows? I listen to and read Sadhguru; he recently gave a presentation on how what we think is bad karma could actually be turned to our benefit and may indeed be a benefit. I’m trying to keep that in mind.
 

SomeRandom

Still learning to be wise
Staff member
Premium Member
Some of you know this story, or part of it. There’s really no decision to be made, I have no choice. I was furloughed from my job on Apr. 5., getting unemployment benefits that are 25% of my take home salary... and I’m at the max. rate of benefits. The $600 federal PUA supplement helps but it’s still not my salary, and there’s talk it may end on July 31, or be extended through August. Savings are completely gone. I send my rent payment in chunks over the course of the first 2 weeks of the month. My landlord is a very nice couple who completely understand. But that’s not the point.

On June 25 I got a phone call from my boss and one of the HR directors that my job was eliminated. I am 1 of 6 in my group of 16 who have been terminated. That’s something like 37% of the local IT group. I was the systems admin. plus tech support for the applications development and QA teams. I don’t know what they’re going to do when things that I handled transparently will happen, but oh well, :shrug: it’s not my problem. In one 10 minute phone call, almost 23 years on that job was swept away. But they did say “thank you for your service”. In fairness we’re getting a severance package of 1 week per year of service. That will be a big help.

My health coverage was also terminated, of course. They’ve graciously :rolleyes: offered to foot 50% of the first month’s cost of COBRA, but after that I’m responsible for the almost $600/month premium. Yeah, uh, no thanks. Private health insurance is not much better. When my meds run out and I can’t see the oncologist or my internist or pain specialist I guess I’ll let nature take its course. Maybe 63 years has been enough to fulfill my dharma (my duties, reasons for being here). :shrug:

I won’t find a job in my field, not at my age and in this economic and social climate. I probably won’t find much, if anything, not full time anyway. Part time plus the adjusted partial unemployment would still only equal what I’m getting now. This is what’s happening to older workers. And yes, it’s documented. It’s not just sour grapes. Companies are slick in avoiding allegations of age discrimination but it’s exactly what they’re doing.

So, the only really viable option is retirement and Social Security. I lose $600/month because I’m only 63; at 66 1/2 I get the full SS amount. That’s still only half my salary. But I’m not going to wait, I can’t... I’m tired after over 40 years in IT and corporate in one form or another. I’m tired of the business world bull****, games, politics. I’m not looking forward to a round of interviews, if I even get any, as if I’m a desperate loser begging for a job. It’s time. I still can’t get Medicare until I’m 65; I still have the medical coverage issue. I can get a part time job up to about $18,000/year with SS. Maybe I’ll go back to being a bank teller. I did that in college and liked it.

I almost walked out of the oncologist’s office, phlebotomy line still in my arm because the billing manager came in brandishing a statement showing I had a balance. I said I would check with the insurance company (I still had coverage). She said check all you want but this is what you owe. I said hey, I’m out of work and doing the best I can. She raised her hand dismissively as she left the room and said “everyone has problems”. I called the office the next day, told them what happened and canceled my follow ups. They apologized, said they’d take care of her and please don’t cancel my appointments. I’m not going back [funny thing, I got a call just now as I’m typing this, confirming my next appt.]. I said cancel it, for the reasons I mentioned and because I don’t have the money to get my brakes fixed, so I have no transportation.

Soooo... this is what’s happening to people. I’m not going to give my thoughts on why this is happening; though I will say it didn’t have to. I’ve stayed away from the forums and discussions because I do have a dog in the fight, and feelings that no one, and I do mean NO ONE is going to change. People have their opinions, but they’re not experiencing what we’re experiencing. When they do, we’ll talk.

So there it is... another over-60 being forced into retirement he had no intention of taking for a number of years more. And if I sound angry and bitter, and hurt, that’s very perceptive... I am in ways no one can imagine.

“Frank sits at home ‘cause he lost his job.
He plays guitar all day, drinks and cries a lot.

Many people love him for his happy smiling ways,
But the sadness inside him never goes away.

He thinks to himself ‘I had it all, now there’s nothing left!’
Now his life is changed in a way he can’t accept.”

Maybe one day, hopefully soon, things will change for the better, all around. :)
Politics? Health coverage?
My word, you Americans need to rally against your healthcare, it seems absolutely atrocious. The hell you people pay taxes for anyway?
Good luck in your retirement though
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
Politics? Health coverage?
My word, you Americans need to rally against your healthcare, it seems absolutely atrocious. The hell you people pay taxes for anyway?
Good luck in your retirement though

A lot of Americans are asking the same questions. :D

Thanks. :)
 

Nakosis

Non-Binary Physicalist
Premium Member
Some of you know this story, or part of it. There’s really no decision to be made, I have no choice. I was furloughed from my job on Apr. 5., getting unemployment benefits that are 25% of my take home salary... and I’m at the max. rate of benefits. The $600 federal PUA supplement helps but it’s still not my salary, and there’s talk it may end on July 31, or be extended through August. Savings are completely gone. I send my rent payment in chunks over the course of the first 2 weeks of the month. My landlord is a very nice couple who completely understand. But that’s not the point.

On June 25 I got a phone call from my boss and one of the HR directors that my job was eliminated. I am 1 of 6 in my group of 16 who have been terminated. That’s something like 37% of the local IT group. I was the systems admin. plus tech support for the applications development and QA teams. I don’t know what they’re going to do when things that I handled transparently will happen, but oh well, :shrug: it’s not my problem. In one 10 minute phone call, almost 23 years on that job was swept away. But they did say “thank you for your service”. In fairness we’re getting a severance package of 1 week per year of service. That will be a big help.

My health coverage was also terminated, of course. They’ve graciously :rolleyes: offered to foot 50% of the first month’s cost of COBRA, but after that I’m responsible for the almost $600/month premium. Yeah, uh, no thanks. Private health insurance is not much better. When my meds run out and I can’t see the oncologist or my internist or pain specialist I guess I’ll let nature take its course. Maybe 63 years has been enough to fulfill my dharma (my duties, reasons for being here). :shrug:

I won’t find a job in my field, not at my age and in this economic and social climate. I probably won’t find much, if anything, not full time anyway. Part time plus the adjusted partial unemployment would still only equal what I’m getting now. This is what’s happening to older workers. And yes, it’s documented. It’s not just sour grapes. Companies are slick in avoiding allegations of age discrimination but it’s exactly what they’re doing.

So, the only really viable option is retirement and Social Security. I lose $600/month because I’m only 63; at 66 1/2 I get the full SS amount. That’s still only half my salary. But I’m not going to wait, I can’t... I’m tired after over 40 years in IT and corporate in one form or another. I’m tired of the business world bull****, games, politics. I’m not looking forward to a round of interviews, if I even get any, as if I’m a desperate loser begging for a job. It’s time. I still can’t get Medicare until I’m 65; I still have the medical coverage issue. I can get a part time job up to about $18,000/year with SS. Maybe I’ll go back to being a bank teller. I did that in college and liked it.

I almost walked out of the oncologist’s office, phlebotomy line still in my arm because the billing manager came in brandishing a statement showing I had a balance. I said I would check with the insurance company (I still had coverage). She said check all you want but this is what you owe. I said hey, I’m out of work and doing the best I can. She raised her hand dismissively as she left the room and said “everyone has problems”. I called the office the next day, told them what happened and canceled my follow ups. They apologized, said they’d take care of her and please don’t cancel my appointments. I’m not going back [funny thing, I got a call just now as I’m typing this, confirming my next appt.]. I said cancel it, for the reasons I mentioned and because I don’t have the money to get my brakes fixed, so I have no transportation.

Soooo... this is what’s happening to people. I’m not going to give my thoughts on why this is happening; though I will say it didn’t have to. I’ve stayed away from the forums and discussions because I do have a dog in the fight, and feelings that no one, and I do mean NO ONE is going to change. People have their opinions, but they’re not experiencing what we’re experiencing. When they do, we’ll talk.

So there it is... another over-60 being forced into retirement he had no intention of taking for a number of years more. And if I sound angry and bitter, and hurt, that’s very perceptive... I am in ways no one can imagine.

“Frank sits at home ‘cause he lost his job.
He plays guitar all day, drinks and cries a lot.

Many people love him for his happy smiling ways,
But the sadness inside him never goes away.

He thinks to himself ‘I had it all, now there’s nothing left!’
Now his life is changed in a way he can’t accept.”

Maybe one day, hopefully soon, things will change for the better, all around. :)

Sorry, I fear I will be there soon.

In my wife's country, they usually have lots of kids so there are continued resources there to take care of the parents as they get old. It's cultural to be responsible for your parent's needs. In the US we put all that on the government. No guarantee how much the government is going to care about you in particular. Lots of older people end up in convalescent homes funded by the government, alone.

I'm hoping I can figure something out. Find a way to earn money to add to my income. Invest, write, freelance, etc... We get so suck in the 9 to 5 there is little chance to learn how to earn money outside of the corporate structure.
 

PureX

Veteran Member
This sh*t has been happening to other people for years. Decades, even. If you were poor and black you'd likely have had a lifetime of it. But no one cared because it was always someone else. Most people still don't care because it's not happening to them. That's how it goes in a culture that considers selfishness and greed a virtue.
 

Windwalker

Veteran Member
Premium Member
I didn’t plan to for a number of years yet. Maybe this is a blessing, who knows? I listen to and read Sadhguru; he recently gave a presentation on how what we think is bad karma could actually be turned to our benefit and may indeed be a benefit. I’m trying to keep that in mind.
I read your situation, and of course it triggered all the fears I have, being in my early 60s, and working IT, and being less than excited about the whole job hunting prospect, should I get laid off which is possible with everything the way it is now. Fortunately, I have no health issues, and our health care in Minnesota is accessible much more reasonable than in other states, should I not have employer based insurance.

Part of me is scared, but another part is trying not to imagine the future, which is always filled with fear, especially since I have a rather dark imagination when it comes to imaging the worst of possible situations - I'll be homeless and die in the streets, whereas in reality there are far too many safety nets, let alone the fact I still do have agency, meaning I'm resourceful when I need to be.

I think Sadhguru is right in saying we shouldn't necessarily see things as negatives, and that sometimes, that change is what your soul really needed, even though you couldn't imagine how things would go. I have to keep that in mind to keep those dark and fearful thoughts at bay. If we feed them too much, they can consume us and they deplete our energies. If we don't waste energies on those fearful thoughts, then we are in a much better position to deal with things. We have agency. We aren't at the end of our lives, by any means.
 

pearl

Well-Known Member
I can get a part time job up to about $18,000/year with SS. Maybe I’ll go back to being a bank teller. I did that in college and liked it.

If you can stick it out once you reach the full retirement age there is no limit on what you can earn.
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
If you can stick it out once you reach the full retirement age there is no limit on what you can earn.

There’s still a cap on earnings being on Social Security. Even if there weren’t there’s not much available. Especially at 63. I could become a door greeter at Walmart... seriously, I’m not knocking it. But for 40 hours/week, $12/hour (just a guess) that’s much less than I’d get on SS. That job could be part time to supplement SS. I know a number of people this happened to recently, we’re all asking ourselves what the hell we’re supposed to do since we weren’t prepared for this.
 

Shadow Wolf

Certified People sTabber & Business Owner
For the life of me, I can't understand the US's reluctance to Affordable Care for ALL.
It's ok. Even many Americans are scratching our heads trying to figure out where this hyper labeling of everything that resembles government spending as socialist, facist tyranny. It wasn't even this bad when a union of Soviet Socialists were the bad guys.
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
This sh*t has been happening to other people for years. Decades, even. If you were poor and black you'd likely have had a lifetime of it. But no one cared because it was always someone else. Most people still don't care because it's not happening to them. That's how it goes in a culture that considers selfishness and greed a virtue.

I absolutely agree. People stick their heads in the sand, maybe not intentionally, but until you’ve experienced something you can’t understand it. That’s not a criticism, just what I perceive. All I can say is that I’m grateful for what I have had and still do have. I have a home, I have food, and I say thank you every day because I know it can be worse. There were things about my job I hated (mostly my boss ... what a ... never mind :D) but I gave thanks every day.
 

Jainarayan

ॐ नमो भगवते वासुदेवाय
Staff member
Premium Member
I read your situation, and of course it triggered all the fears I have, being in my early 60s, and working IT, and being less than excited about the whole job hunting prospect, should I get laid off which is possible with everything the way it is now. Fortunately, I have no health issues, and our health care in Minnesota is accessible much more reasonable than in other states, should I not have employer based insurance.

Part of me is scared, but another part is trying not to imagine the future, which is always filled with fear, especially since I have a rather dark imagination when it comes to imaging the worst of possible situations - I'll be homeless and die in the streets, whereas in reality there are far too many safety nets, let alone the fact I still do have agency, meaning I'm resourceful when I need to be.

I think Sadhguru is right in saying we shouldn't necessarily see things as negatives, and that sometimes, that change is what your soul really needed, even though you couldn't imagine how things would go. I have to keep that in mind to keep those dark and fearful thoughts at bay. If we feed them too much, they can consume us and they deplete our energies. If we don't waste energies on those fearful thoughts, then we are in a much better position to deal with things. We have agency. We aren't at the end of our lives, by any means.

You have the advantage of realizing this now. Not to say I never saw this coming some day... right, some day, not today. Though apart from smart financial planning I don’t know what more can be done to prevent it. :shrug:
 

Mindmaster

Well-Known Member
Premium Member
S
I won’t find a job in my field, not at my age and in this economic and social climate. I probably won’t find much, if anything, not full time anyway. Part time plus the adjusted partial unemployment would still only equal what I’m getting now. This is what’s happening to older workers. And yes, it’s documented. It’s not just sour grapes. Companies are slick in avoiding allegations of age discrimination but it’s exactly what they’re doing.

Start your own business, I'm sure you have enough knowledge with that comprehensive amount of experience to do so. Your age is only a factor to the young woke middle-age folks that do hiring at tech companies. It will not be an issue for people who run businesses and you'd draw up contracts with or sell things to.

I've been age discriminated against, and even race discriminated against. Sometimes going out on your own is the best option. With 32 weeks of pay, you got plenty of gas in the tank to do so, not saying it'll be easy but meet with an accountant and drop a couple of hundred bucks to get the formalities out of the way. It'll probably be the best thing you ever did. As you get established you're going to systematically "hire" yourself out of the business and have people take over everything you do. That's the best retirement plan you can have. Now get crackin', lol.
 
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