DEAR ABBY: I’m frightened that I will become homeless and won’t be able to pay my bills. I’m afraid of getting older and ending up a homeless woman, freezing to death on the streets. I worry that the college degree I’m working toward will be useless. I see the challenges older people go through: house bills, medical bills, student loans, car bills, trying to save for retirement. I’m accused of being a cheapskate, but I’m terrified I will never have enough. Sometimes the future seems bleak. While other people see possibilities and adventure, all I can see is a homeless ...