{"id":66,"date":"2015-01-04T15:07:46","date_gmt":"2015-01-04T15:07:46","guid":{"rendered":"http:\/\/stories.kera.org\/onecrisisaway\/?p=66"},"modified":"2016-04-22T13:46:43","modified_gmt":"2016-04-22T13:46:43","slug":"staying-afloat-during-the-golden-years","status":"publish","type":"post","link":"https:\/\/stories.kera.org\/onecrisisaway\/2015\/01\/04\/staying-afloat-during-the-golden-years\/","title":{"rendered":"Staying Afloat During The Golden Years"},"content":{"rendered":"<p><strong>Preparing for retirement is daunting for anybody. Without an inheritance, a hefty pension or a 401K, it can be tough to get by.<\/strong><\/p>\n<hr \/>\n<p>Take Shirley Martin. She\u2019s 72, she lives in DeSoto and she\u2019s struggling to make ends meet. But instead of getting discouraged, Shirley\u2019s getting creative.<\/p>\n<p>When you walk into her cozy home, one thing is clear: In the kitchen, she\u2019s the master.<\/p>\n<p>For this meal, her daughter Anita is playing the role of sous-chef as Shirley bustles from sink to stove to oven. She\u2019s making baked chicken over seasoned spinach, and she sets the whole dish off with fluffy saffron rice and colorful vegetables.<\/p>\n<p>Shirley has been cooking since she was a teen &#8212; at first because she enjoyed it, and then professionally.<\/p>\n<p>\u201cI started at Hockaday School in \u201963 and I started as a line server,&#8221; Shirley says. &#8220;So it came up that we needed a cook, so I tackle anything and I said, \u2018I want to take that head cook\u2019s position.\u2019 I did, and I just went by recipes, but I\u2019m always one to do my own thing. If you kind of put your touch into anything, it makes it better.&#8221;<\/p>\n<p>She left her job at the Dallas private school in her late 50s after suffering a brain aneurysm. Once she recovered, she took other cooking jobs, one at a church and another catering parties. Shirley, a breast cancer survivor, has hung up her professional apron, but still loves the kitchen.<\/p>\n<div class=\"audiobtn\" style=\"padding-top: 34px;\">\n<!--[if lt IE 9]><script>document.createElement('audio');<\/script><![endif]-->\n<audio class=\"wp-audio-shortcode\" id=\"audio-66-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3cooking_soundbite1.mp3?_=1\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3cooking_soundbite1.mp3\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3cooking_soundbite1.mp3<\/a><\/audio>\n<\/div>\n<div class=\"audiotext\">&#8220;I\u2019ve been cooking, oh my God, 50 years or longer,\u201d she says. \u201cAnd still cooking, honey!&#8221;<\/div>\n<div class=\"clear\"><\/div>\n<p>She laughs.<\/p>\n<div id=\"attachment_67\" style=\"max-width:100%;  width: 900px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-67 size-large\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/shirleymartin-1024x576.jpg\" alt=\"Shirley Martin\" width=\"900\" height=\"506\" \/><p class=\"wp-caption-text\"style=\"max-width:100%;  width: 900px\" >Shirley Martin, a retiree, rents out rooms in her home to bring in enough money. Photo\/Dane Walters<\/p><\/div>\n<h4>&#8216;It&#8217;s hard to save&#8217;<\/h4>\n<p>Shirley, who\u2019s divorced, gets a Social Security check every month and an annual retirement from her time at Hockaday. But with no savings, she doesn\u2019t have enough to pay the mortgage and her bills.<\/p>\n<p>\u201cIt\u2019s hard to save. You save it today, you spend it today,\u201d Shirley says.<\/p>\n<p>To stay above water, she turned to Shared Housing, a nonprofit that provides her with tenants.<\/p>\n<p>She leases out two rooms in her four-bedroom ranch style house for $400 a month apiece. Her two boarders are as much a part of the household as Shirley\u2019s family photos and antique cooking molds.<\/p>\n<p>\u201cIf they weren\u2019t here, I wouldn\u2019t be able to make it, it\u2019s just as simple as that,\u201d Shirley says.<\/p>\n<p>She has family nearby to make sure her tenants are on the up-and-up.<\/p>\n<div class=\"audiobtn\">\n<audio class=\"wp-audio-shortcode\" id=\"audio-66-2\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3howdoyo_soundbite2.mp3?_=2\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3howdoyo_soundbite2.mp3\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3howdoyo_soundbite2.mp3<\/a><\/audio>\n<\/div>\n<div class=\"audiotext\">&#8220;I have a grandson and he\u2019s going to come and give them the third degree, and Anita, my daughter, they check them out, they kind of feel them out,&#8221; Shirley says. &#8220;A lot of people ask me, &#8216;How do you take strangers into your home?&#8217; Well, I just have that kind of faith and I know they need the help.&#8221;<\/div>\n<div class=\"clear\"><\/div>\n<p>&nbsp;<\/p>\n<h4>Worrying about money every day<\/h4>\n<p>Even though many people her age no longer work, Shirley works 19 hours a week as a receptionist at a south Dallas Salvation Army. It provides a little extra income that she needs &#8212; she makes $7.25 an hour, or more than $400 a month. She enjoys her job, helping folks who call in figure out where to find help.<\/p>\n<p>Still, she worries about money every day.<\/p>\n<div class=\"audiobtn\" style=\"padding-top: 30px;\">\n<audio class=\"wp-audio-shortcode\" id=\"audio-66-3\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3financial_soundbite3.mp3?_=3\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3financial_soundbite3.mp3\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/mp3financial_soundbite3.mp3<\/a><\/audio>\n<\/div>\n<div class=\"audiotext\">&#8220;Not making my mortgage, No. 1, and then, of course, the plumbing,\u201d she says. \u201cThings can happen. Bills, your insurance, your car breaking down.&#8221;<\/div>\n<div class=\"clear\"><\/div>\n<p>&nbsp;<\/p>\n<div style=\"width: 512px;\" class=\"wp-video\"><!--[if lt IE 9]><script>document.createElement('video');<\/script><![endif]-->\n<video class=\"wp-video-shortcode\" id=\"video-66-1\" width=\"512\" height=\"288\" preload=\"metadata\" controls=\"controls\"><source type=\"video\/mp4\" src=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/martin1b-1391209719-99.mp4?_=1\" \/><a href=\"http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/martin1b-1391209719-99.mp4\">http:\/\/stories.kera.org\/onecrisisaway\/wp-content\/uploads\/sites\/5\/2015\/01\/martin1b-1391209719-99.mp4<\/a><\/video><\/div>\n<p>Shirley says while financial concerns are top of mind, she\u2019d rather focus on what\u2019s good in her life \u2013 a loving family and those kitchen skills. That\u2019s a gift everyone\u2019s grateful when they gather at Shirley&#8217;s house.<\/p>\n<p>Shirley\u2019s dream is to one day start her own nonprofit that helps people find affordable housing. She says her love for charity must be inherited.<\/p>\n<p>\u201cWhen I was a little girl, my mother used to take a red wagon and go around the neighborhood and take up canned goods and stuff. For whoever was not as fortunate as we were,\u201d Shirley recalls. \u201cAnd that\u2019s the same feeling I have today when I take people in from Shared Housing or anywhere. I feel that same way. I just think, &#8216;If I could do it, I would.&#8217;\u201d<\/p>\n<p>And despite her own struggles, Shirley is.<\/p>\n<hr \/>\n<p><strong>More from KERA News<\/strong>:<br \/>\n<div class=\"bullets tick black\"><\/p>\n<ul>\n<li><a href=\"http:\/\/keranews.org\/post\/one-crisis-away-age-73-real-retirement-not-option\" target=\"_blank\">At Age 73, Real Retirement Is Not An Option<\/a><\/li>\n<\/ul>\n<p><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Preparing for retirement is daunting for anybody. Without an inheritance,&#8230;<\/p>\n","protected":false},"author":7,"featured_media":68,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"audio","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-66","post","type-post","status-publish","format-audio","has-post-thumbnail","hentry","category-one-crisis-living-on-the-financial-edge","post_format-post-format-audio","byline-courtney-collins"],"_links":{"self":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/66","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/comments?post=66"}],"version-history":[{"count":40,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/66\/revisions"}],"predecessor-version":[{"id":424,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/posts\/66\/revisions\/424"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/media\/68"}],"wp:attachment":[{"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/media?parent=66"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/categories?post=66"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/stories.kera.org\/onecrisisaway\/wp-json\/wp\/v2\/tags?post=66"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}