Cheryl Fellenz, 81, swapped her home for a houseboat in 2009 to cut expenses. Fellenz lives on $4,996 monthly from Social Security and a teacher's pension. She said the houseboat gives her close ...

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This as-told-to essay is based on a conversation with Cheryl Fellenz, 81, a retiree who lives on a houseboat off the coast of southern Maryland. She is one of thousands of older Americans who have ...