Especially in such a litigious society.

I guess the chart just reveals societies priorities and explains why so many people are left poor in retirement.

The software does allow you to shift the numbers in order to get the return you are looking for.

I also cannot get another job because my current job is a weekly swing shift position that is an irregular schedule.

I predict the areas that will be affected most are the 55+ communities on the outskirts of Tampa, that could see a double whammy of both a decline in the population they were built for as well as being located on the outskirts while the demographic shift is going in the opposite direction towards the urban center.

Re:SS most people will not become able to be self supporting in retirement, so having paid into SS over a lifetime is a good hedge plus its part of our compact as a society.  

I no longer want to deal with them, and shifted to local banks for the non owner occ deals.

How are you. the market will start shifting by June 2020.

Any way to shift this to Capital Gain to lessen the tax I pay?

I work night shift, so I am able to do a lot of my bills and processing at work.