I’ve posted and contributed to this board in the past and its members have always been extremely helpful. Assuming not all of you know my backstory, I’ll provide a brief summary:
I was discharged from the Marine Corps in 2008. Initially got rated 50% for mental health. Applied for IU a few years later; it was granted and has been continuous for 8 years now. I was able to graduate from a college program through Voc. Rehab., but SC conditions remain the same. No improvement over the years and the impact on my life has been toxic. I sometimes neglect myself, no showers or oral health care for days on end. Literally tip-toeing around because I’m afraid of making noise and disturbing others. Urinating in plastic bottles because I can’t bring myself to leave my room, and so on. The chances of me being able to secure employment, let alone maintain it, are slim to none. I’m embarrassed about this fact, but it is what it is. All my attempts at companionship result in me running away to wallow in my own misery. I worry about myself, and my future. No kids, no wife, no purpose.
I have days where I can’t even get out of bed. Hard to imagine an employer “understanding” my reason for missing work. I’ve thought about pursuing an independent business from home, so lets use that as an example. I set up an office at home and advertise my services. I may receive work, I may not. Something like this could address a handful of my issues, but wouldn’t suffice as a main source of income. I’d even take on free work at times, sort of like volunteering. My fear is that the VA would consider this employment and take away my IU rating, even though it’s more of just a vehicle to an improved lifestyle. I remember reading that if your 100% permanent total rated, you can work without a reduction in benefits. Maybe this is what I need to pursue?
Something like this mini business idea would give me purpose, something to get out of bed for. But what it wouldn’t do is generate anywhere near the amount of income I need to live on. I worry about the distant future as well. Because I don’t have any taxable income, I cannot contribute to an IRA. This scares me. Everyone who works has a 401k, I have nothing. I’ve been putting money aside in a savings account every month to combat this, but I’m not utilizing increased growth potential. By the way, if anyone has advice/tips on saving for retirement due to these restrictions, please share.
Any advice on my situation would be greatly appreciated, and thank you to those who have taken the time to listen. I really think my idea could have a positive impact of my dreadful life. I really do. Have a great day/night, everyone. God Bless!