I’m “Edward.” I’m disabled, age 63. A car accident, 20 years ago, cut short my career. I never imagined I’d run out of money. I had always saved for retirement but it happened earlier than I’d planned. I must use a wheelchair and can’t cook or drive. I depended on the caregiving of my daughter until she had to move “off-island” for her husband’s new job. She can’t be here to help me any more. I’m a very independent sort of person but I knew I needed help and couldn’t afford it. I called the Aging & Disability Resources staff. They arranged programs that would help with caregivers, started Meals on Wheels so I eat regularly, and provided a case manager who helps to be sure I have what I need.