At the risk of sounding (or even outright being) cruel, Mr. Smith's real problem is that of terrible financial management skills. Keep in mind that when he moved out there in the 70's, the Valley was not nearly as expensive as it is today. And, with a software engineer's salary during its heyday, he could have very easily purchased -- and paid off -- a place for him to live. As he, himself, said, he made a choice to stay in the area even after he lost his job. He could have made a choice to move somewhere cheaper.<p>At the age of 70, after a long -- and I'm assuming successful, based on his highest salary -- career, having only a "meager" savings is no one's fault but his own.