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Ask HN: I'm disabled and out of money. Now what?

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Re: Ask HN: I'm disabled and out of money. Now what?

#71
post #60

I'm 39 and disabled in addition to being politically exposed (that is, a bunch of people whom I've never met know me by my real name and, for reasons so silly it is not worth getting into, utterly hate me) so I have some insight into your situation. To start: this utterly sucks. If it makes you feel better, it's not as uncommon as people want to believe. It awaits probably half of the people here in middle age (meani…

> in the United States, how quickly your life can turn to shit,

This is true, unfortunately. There is minimal social safety net in the USA for people like OP. This is partly due to the very independent, self-determination mindset that has pervaded in the US since its founding. US values hard work and perseverance. The moment you cannot work, you are treated poorly and are a second class citizen.

Showing you are willing to work, even if it's slow, is worth a lot. So I certainly echo the sentiments in other comments, start small and stay consistent.

Re: Ask HN: I'm disabled and out of money. Now what?

#72
I've never had a medical condition that took me out of the workforce. It's sad that you've been dealt a bad hand in life. It's got to be hugely frustrating. You seem to have (correctly in my opinion) concluded that given your current limitations, there is no point in you applying for jobs. Most people who have been out of work for a year never return to the workforce. The majority of them might enjoy a "retired" sort of lifestyle. However, since you describe your life as "absolutely soul sucking", I would recommend that you remedy that by, from 9AM-5PM Mon-Fri, take the following drastic steps: Turn off the TV, video games, and aimless web browsing. It sounds like you are still capable of making money with online "gig" work of some type. Given your medical condition, you may or may not be able to perform the type of work you would enjoy. You should ask yourself what sorts of endeavors you are "world class" at, and then see if there are online gigs that are suitable for you. People who are detail oriented can make money at a wide range of online jobs. You should try to find an online gig type of job that makes you excited to get up in the morning. You need to make money, but you also need a reason to get up in the morning. I realize that the advice I've offered will not be easy. Most people in your situation would prefer to simply relax and take it easy. The easiest thing in life is to do nothing.

Re: Ask HN: I'm disabled and out of money. Now what?

#73

Not to derail this thread or to sound like I am criticizing OP, but everyone should take this post as a reminder to look into having a disability insurance policy. Your megacorp may offer a policy, but look into getting your own guaranteed renewable non-cancelable policy, as it provides greater protection. The Bogleheads wiki has a good page describing what is important to obtain in such a policy.

I have a friend that was a doctor for over 25 years. Made great money, but ended up having a career-ending disability.

He had been buying disability insurance, the whole time (he says it was pretty expensive).

It ended up saving his ass. He makes more money from the disability insurance, and SSI (It is possible to get it, if you have doctors. Many lawyers also help -for a percentage), than many folks make, working.

Re: Ask HN: I'm disabled and out of money. Now what?

#74
post #2

This chronic pain - what is the cause of it? Are you diagnosed with fibromyalgia?

Fibromyalgia and CFS have been tossed around but never officially diagnosed. The practical experience that I have is frequent exhaustion from things that should be easy, difficulty focusing, flu-like aches and tons of migraines.

Fibromyalgia, CFS, .. labels like that are used when the doctors have no clue, just give up and don't wanna look further into your issues. Then they blame it on stress and psychological issues. That's 1000 % wrong.

Most likely you have a virus or bacterial infection that hasn't been detected yet. I'm in a very similar situation like you so I'm speaking from personal experience. Ever been bitten by a tick? Do you have gut issues?

Read this, very important: https://www.hardtowrite.com/pathogens/

As for earning money: Assuming you're too unwell to consult, you can do mindless tasks on Appen. https://connect.appen.com/qrp/public/home Things like checking search results for Bing or Google, improving Apple & Google maps. Pay is between $15, $24 / hour depending on the project.

Re: Ask HN: I'm disabled and out of money. Now what?

#75
post #2

This chronic pain - what is the cause of it? Are you diagnosed with fibromyalgia?

Fibromyalgia and CFS have been tossed around but never officially diagnosed. The practical experience that I have is frequent exhaustion from things that should be easy, difficulty focusing, flu-like aches and tons of migraines.

I had increasing difficulty with fatigue for years and it turned out to be Celiac disease. Then, I got type 1 diabetes after going GF to treat Celiac, which was a slow onset which made things very difficult for 1-2 years. My situation isn’t too different than what you describe, actually, even after diagnoses and treatment.

Have you been checked out for celiac? I had all sorts of unexplained health effects but the #1 thing was feeling exhausted all the time and falling asleep after lunch every day.

Re: Ask HN: I'm disabled and out of money. Now what?

#76

Hey there! I was in a similar boat. This might not be a popular solution but what got me, "out of the poverty trap" was going back to school. I have high ACT scores so I can get all my housing, meals, transport, paid for by grants and scholarships and what's left over I can always manage with student loans. I keep a part-time (Wednesday and Thursday) job so I have modest disposable income. I'm still in the thick of i…

[deleted]

Re: Ask HN: I'm disabled and out of money. Now what?

#77
With respect to the chronic pain, I'd suggest some kind of embodied mindfulness practice to help alleviate the symptoms. I assume Western medicine has not been able to help you much on that front.

There are tons of techniques out there, some of which have been proven by scientists to help reduce the symptoms of chronic pain. I'd suggest you find someone qualified teacher, since doing some of these on your own might be dangerous.

If you are willing to go for something more out there, I'd recommend reading this book https://www.amazon.com/Meditation-Saved-My-Life-Tibetan/dp/1... (it's free on libgen). It's the story of a Tibetan monk which was tortured in a Chinese jail and developed gangrene in one of his ankles, which progressed to the point of almost killing him and destroyed his joint. Doctors kept pressuring to have his foot amputated, but he sensed it'd be the wrong choice. Eventually, he went into retreat in his apartment and practiced some techniques for healing he had been taught in Tibet. Within a year, his foot was mostly healed, and eventually his body somehow managed to grow a new ankle joint.

The book is not explicit about what he did, but the two main practices he alludes to are called "tsa lung" (moving energy through the body) and reciting the "Medicine Buddha" mantra. I think you'll need an instructor if you want to practice "Tsa Lung" (the monk in the book teaches it, but he moved to France). But Medicine Buddha mostly involves reciting mantras and should be safe.

I don't have a lot of personal experience with the Medicine Buddha mantra, but reciting another mantra ("om mani padme hum") and similar practices cured a chronic depression that lasted more than five years. Saying "cure" is a bit of an understatement, because my outlook on life has radically changed. My external circumstances have not changed a lot, but most of the internal turmoil has mostly subsided. So on the base of that, I am willing to consider the possibility that a monk might regrow a joint by reciting a mantra.

You don't have to believe in cosmic blue Buddhas (in fact, the official position is that they don't inherently exist, just like you and me). I think of these practices as a technology developed by a culture that put the mind at the front and center of their inquiry into the nature of reality.

Here's some references: - Medicine Buddha mantra (so you hear what it sounds like): https://www.youtube.com/watch?v=IoGmifZperY - A more involved practice: https://www.youtube.com/watch?v=on7kiQawZJ0

This second one is a more traditional presentation, so it might not be your cup of tea. But I am including it anyway just so you can get an explanation from someone qualified. Again, sorry if this is too out there. But again, I doubt you posted here because you wanted to hear the same answers you get anywhere else.

Re: Ask HN: I'm disabled and out of money. Now what?

#78

You don't spend money on rent, but are still spending $1500/month? On what?

I'm guessing food, car payment, gas, insurance, it adds up. Also, your comment comes across as really inappropriate.

I think the parent's question may be insensitive, but not inappropriate. The core problem OP seems to be facing is a mismatch between their incoming and outgoing cash flows. If we take it as given that they cannot work, e.g. that their incoming flows are fixed, then I think it's a natural step to examine ways to decrease their outgoing flows.

Of course, that oversimplifies the problem somewhat, since any changes could worsen the situation overall, e.g. decreased mental health. Sitting in a bare room paid for by someone else and watching the wallpaper peel away has very little out of pocket cost, after all.

The counterargument is that homelessness and loss of medication would probably be far worse -- for example, it could be wiser to sell the car and live an ascetic lifestyle for 16-24 months until the disability appeals are processed, at which point the OP could return to an equilibrium. Stretching out the runway, so to speak.

Forming any actionable advice in this vein is impossible without a better understanding of the OP's costs, however.

Re: Ask HN: I'm disabled and out of money. Now what?

#79

Not to derail this thread or to sound like I am criticizing OP, but everyone should take this post as a reminder to look into having a disability insurance policy. Your megacorp may offer a policy, but look into getting your own guaranteed renewable non-cancelable policy, as it provides greater protection. The Bogleheads wiki has a good page describing what is important to obtain in such a policy.

I am not in any way offended by this. I agree 100%. It was a mistake not to have disability insurance.

Re: Ask HN: I'm disabled and out of money. Now what?

#80
post #74

Earlier quoted context omitted.

Fibromyalgia and CFS have been tossed around but never officially diagnosed. The practical experience that I have is frequent exhaustion from things that should be easy, difficulty focusing, flu-like aches and tons of migraines.

Fibromyalgia, CFS, .. labels like that are used when the doctors have no clue, just give up and don't wanna look further into your issues. Then they blame it on stress and psychological issues. That's 1000 % wrong. Most likely you have a virus or bacterial infection that hasn't been detected yet. I'm in a very similar situation like you so I'm speaking from personal experience. Ever been bitten by a tick? Do you have…

Doctors checked me out for various things and then sent me to a psychologist who declared I had “health anxiety” when I was developing adult-onset type 1 diabetes. I had been in pain for months, every day, and lost tons of weight, then turned it around with a very specific diet (coincidentally low carb) and they acted like I was just being paranoid about food. It’s maddening how some doctors, for one reason or another, disregard almost anything a patient says.
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