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DEAR ABBY: My spouse and I are retired and on Social Security. We've both worked hard all our lives and are content living a modest retirement. Our house is paid for, and we have little debt. However, we're both experiencing physical and mental decline. I worry about our house. We aren't able to clean and maintain it like we used to because of our physical limitations. We used to have parties, but we're embarrassed to have people over now, which means we're kind of isolated.

We also worry that our Social Security and Medicare benefits will be stripped away. We rely on them to live. We both paid into the system since age 15. Shouldn't we expect to reap the benefits of paying into the system all these years? We worry all the time about the future, which seems so grim right now. Even if we can survive the next few years, I'm increasingly concerned about the disintegration of our home. I am not sure where to turn. Any ideas would be greatly appreciated. -- WORRIED ABOUT THE FUTURE

Contact Dear Abby at or P.O. Box 69440, Los Angeles, CA 90069.