Hi JadedJade. Thank you for your comment and your perspective. It's always good to voice and hear all sides that make up the circle. I choose to help my kids with their students loans, live in a mobile home, shop for food, groceries, clothes at the least expensive places and can't afford to fly. My choices and I'm thankful I have them. You commented PERS recipients are living the good life. My life is good because I choose to look at it that way. Financial health plays a crucial role, I know that, believe me. Single parenting and lowest wage at my PERS employment and not being able to afford my electric bill. I had and still have my pity parties and my low times but mostly, I try to focus on the positives. Life for millions of people here and around the world are so much worse, that I can't even imagine. In comparison, my life is incredibly good.  According to the low average PERS salary of around $23k a year, my PERS benefits is average and I'm grateful for every penny.