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Senior couple doing home finances in their kitchen
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It’s a common misconception that you can live a comfortable, if modest, retirement solely on Social Security income and Medicare.

The reality is that many retirees are struggling to make ends meet. In some parts of the country, more than half of seniors can't afford their basic needs, according to a recent study from the University of Massachusetts. The problem could only get worse: seniors are expected to outnumber those under 18 in the U.S. by 2030, meaning that if nothing changes, we’ll see more older Americans unable to pay their bills within the next decade.

We spoke with three women leading the efforts to make their cities more age-friendly about how they are working to combat the affordability crisis — and what you should know to help prepare for retirement.

Social Security and Medicare are not enough to live on