When 'Fixed Income' Means Getting By On Social Security Gilroy Hain's only source of income is the $1,500 a month he receives from Social Security. The 64-year-old spends $500 a month for a rented bedroom in Los Angeles, and the rest goes for food and little indulgences. For the former aerospace industry worker who was homeless for a time, it's not an easy life.
NPR logo

When 'Fixed Income' Means Getting By On Social Security

  • Download
  • <iframe src="https://www.npr.org/player/embed/236305692/242028439" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript
When 'Fixed Income' Means Getting By On Social Security

When 'Fixed Income' Means Getting By On Social Security

  • Download
  • <iframe src="https://www.npr.org/player/embed/236305692/242028439" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript


As Congress works to come up with another budget agreement, one tempting target will be the roughly 20 percent of the budget spent on Social Security. Some 57 million Americans get benefits, and about a third of them depend nearly completely on Social Security.

NPR's Ina Jaffe introduces us to a Los Angeles man who lives on Social Security, and nothing else.

INA JAFFE, BYLINE: On the third Wednesday of the month, 64-year-old Gilroy Hain has certain rituals that he follows. It's the day his Social Security shows up in his bank account: $1,500. He takes care of necessities, and splurges just a little on luxuries. Though, to look at his room, the word luxury doesn't come to mind.

GILROY HAIN: Yes. This is my sleeping couch. And this is my sitting couch. It's leather, and it's very comfy.

JAFFE: The furniture had all been lying around the home of his landlady, 78-year-old Myrna Anderson Allen.

MYRNA ANDERSON ALLEN: So we just got odds and ends.

JAFFE: Allen's been renting Hain an upstairs bedroom in her home for about a year now.

ALLEN: I'm losing my jobs because of my age, and I needed an additional source of income.

JAFFE: Hain's room cost $500 a month - less than half of what an average one-bedroom apartment goes for in L.A. He kicks in another 50 bucks for utilities. That leaves him with $950 for everything else. But since he doesn't have health insurance or own a car, the money goes a long way.

HAIN: I'm actually living below my means.

JAFFE: Which is why he's now on his way to pick up a rental car. He can afford the $60 splurge that includes gas and insurance. The car is parked near the University of Southern California, which happens to be his alma mater. It's about three and a half miles away. He walks.

HAIN: And after Normandy is Vermont. We're going to go right on Vermont.

JAFFE: Hain loves this walk. The neighborhood has seen better days, but it's filled with beautiful old Craftsman-style homes.

HAIN: And if you look on the balcony, each little pillar is a different color.

JAFFE: Gilroy Hain is familiar with the finer things. He made pretty good money most of his life working in the aerospace industry. He never finished his degree at USC, but back in the day, you could get a job and work your way up.

HAIN: And just the fact that I could distinguish a molecule from an atom was enough to get me in the door.

JAFFE: Hain worked for various aerospace and engineering companies around the country. The longest he was ever with any one employer was seven years. He went from job to job to job, until all of a sudden, when he was in his 50s, there weren't any more jobs for him. He drained his meager 401(k) account, waiting for his job search to pan out. It never did.

HAIN: And now, parking lot 49.

JAFFE: Hain climbs into the rental car. It's part necessity, part payday indulgence. He uses it for errands and grocery shopping, but also for what he calls nostalgia trips - monthly excursions to places he used to live in better times. But because there's a reporter tagging along, he also goes to one place he used to live that he might not have chosen to visit.

HAIN: You can see at the end of the street, just beyond that sign was where I would sleep.

JAFFE: Hain is point to a row of trees along a busy boulevard next to the Century City shopping mall in West L.A. It's where he slept after he emptied his 401(k). We can't get too close because of construction, but there used to be more trees there, he explains, which provided more privacy.

HAIN: It was actually almost like little rooms, vegetable rooms. There was a branch where I could hang clothes if I needed to let them de-wrinkle. But I had a regular little setup, very neat.

JAFFE: From there, he would walk up the street a couple of blocks to his part-time job at Starbucks, where he says no one realized he was homeless.

HAIN: I'd just make a point of crossing the street when I was sure nobody was watching. I kind of liked the stealthy thing. I did it for two years.

JAFFE: And then he lost that job and went on general relief. That's just a little over $200 a month. It was a dark time.

HAIN: I think I was aware that I was a little bit out of my mind.

JAFFE: But Social Security saved him.

HAIN: If Social Security hadn't been here, I don't know. It would've been quite a different story.

JAFFE: He's now even able to save money for emergencies, like when he had to replace his eyeglasses, and for a trip to IKEA someday, if he gets a place of his own. But for the moment, he puts plans and memories on hold. His next payday stop is the grocery store.

HAIN: I'm overloaded with baby spinach. That'll do.

JAFFE: Hain needs a car to be able to stock up on groceries, because the store is too far away for him to carry all he needs. He doesn't have a fixed budget for food.

HAIN: I don't actually need to. I stay within one without writing anything down.

JAFFE: But he keeps a running tally in his head as he pays.

HAIN: Thank you.

UNIDENTIFIED MAN: Thanks so much, man. Have a great one.

JAFFE: Gilroy Hain may not be having great days, but getting by, that's his success story. Ina Jaffe, NPR News.

Copyright © 2013 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.