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money: The cost of living

I received my social security estimate again today (I love when it comes), and should I become disabled, I would qualify for $871/month in benefits. I take home approximately twice that amount now, and while I'm not destitute, I would have a very hard time making it on much less than what I take home now. Come July, when I have to start making student loan payments, I'll need to pinch every penny. I don't see how disabled people survive on that check alone. In a twisted way, it makes me thankful for my education (such that it is and isn't).

I have enough credits to qualify for retirement now, too, not that it's going to be there for me. In 2044, when I turn 67, the social security trust will have been bankrupt for two years (provided nothing changes in ss legislation), according to the commisioner's note at the beginning of the statement.

Considering all this, I'm kind of kicking myself for not restarting my retirement savings again. I can't wait until my loans are paid off, I'll be paying those off until I'm ready to retire. Time to get my finances in shape. Thank you, SSA letter.