70 and Raising a Grandson: A Life of Care That Delays Retirement

Ruth Olinger, 70, is raising her seven-year-old grandson Atlas in Lakeland, Florida, and says retirement isn’t feasible after paying for daycare and other costs. With about $1,500/month in Social Security and expenses like $10,400/year for daycare, $4,500/year in property tax, and $3,800/year for homeowners insurance, she plans to keep working to support Atlas and help him become independent, drawing on decades of fostering children and mission work.