September #116 : Savings and Moan - by Lucile Scott

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Table of Contents

Charles King Has a Dream

Cross-Country Crusaders

Quoth the Raven

A Trip to Bountiful

Doctor's Diary - September 2005

Combo Vision

Hearts and Chocolate

The New HIV Bouncers

Foreign Agents

Positively Fit

Fitness 101

Weep No More

Ask the Sexpert - September 2005

Antibody Snatcher

The DL Deal

Legal Eye - September 2005

Medicaid Watch

Savings and Moan

Freedom to Worship

Spirit Guide

Teenage Wasteland

Shooting Gallery

HIV Hot Spots for Injections

Buzz Kill

Run for the Border

Mentors - September 2005

I Say a Little Prayer

Easy Come, Easy Go

Forever a Fighter

Founder's Letter - September 2005

Mailbox - September 2005

Most Popular Lessons

The HIV Life Cycle


Herpes Simplex Virus

Syphilis & Neurosyphilis

Treatments for Opportunistic Infections (OIs)

What is AIDS & HIV?

Hepatitis & HIV

email print

September 2005

Savings and Moan

by Lucile Scott

No more excuses! Plan for retirement now

In 1996, HIVer Tom Swift, now 43, cashed out his retirement funds and moved to California—to die. Then, HAART arrived, and, like many HIVers, Swift realized he would indeed survive —and need cash for the future. He consulted a financial planner, who, typically misinformed about HIV, told him: Keep planning to die. So he started his own HIV-friendly service, Financial Avengers (415.773.2174;

Even now, Swift says, many HIVers don’t save. Some still believe they won’t live long enough. Also, health costs, disability-income caps and other HIV expenses can make saving seem impossible. “Folks should adopt a plan balanced between living for the moment and the future,” Swift says. “Most people just aren’t sure how to plan. But it’s never too late.” First, master your employee benefits. Then, make a plan to conquer debt. Trim expenses so that you have enough to invest, say, in matching company plans. And beware: Disability benefits generally end at 65. Your local AIDS service organization likely offers HIV-specific financial planning. Now settle down—and keep those nest eggs warm.            

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