Retirement is not “golden” for all older adults. Many times, retirement is a faraway dream for the over 23 million older Americans who are economically insecure—living at or below 250% of the federal poverty level (FPL). These older adults struggle each day with rising housing and health care bills, diminished savings, and job loss. For older adults who are above the poverty level, just one major adverse life event can change today’s realities into tomorrow’s troubles. We've seen it happen time and again.