Ruth Olinger, 70, is raising her grandson alone in Lakeland, Florida. After fostering numerous children and engaging in mission work, she now faces the challenge of caregiving during her retirement. This interview has been edited for length and clarity.
Raised by her grandparents, Ruth Olinger faced a challenging childhood. Her grandmother’s illness meant that her grandfather took on many household responsibilities until he suffered a stroke. At the age of 8, Ruth and her brother were placed in foster care and eventually separated.
Ruth experienced life in 10 different foster homes, calling many different adults “mom” and “dad.” She graduated college early and married at 18, having two sons. At 28, she met her biological father and began fostering children herself, opening her home to 51 children over the years.
After a divorce, Ruth remarried and had another son. She later adopted a daughter and, more recently, her grandson, whom she considers her son. At 70, she is a mother to five children, ranging in age from 48 to 7.
I’ve never really worried about finances.
Despite financial challenges, Ruth remains optimistic. She has worked multiple jobs simultaneously, including mowing lawns to provide for her family. Her career has spanned insurance, banking, and mission work, where she has made significant contributions, such as raising funds for a center for homeless women and children.
Her mission work has taken her to various countries, including Belgium, Italy, and Kenya. Ruth has also cared for her biological mother and her best friend, ensuring her home accommodates everyone.
I adopted my grandson.
Ruth adopted her grandson, whom she has cared for since birth. Describing him as eager and curious, she acknowledges the challenges of his health issues but considers him a blessing. The adoption process impacted her finances due to time-consuming medical diagnoses.
Ruth and her daughter, the boy’s mother, have reconciled after a period of estrangement. They enjoy a close relationship now.
I’ve tried not to let my age get in the way of anything.
Remaining active, Ruth spends quality time with her youngest, engaging in activities such as camping and homework. She notes that while she may be less patient in some ways, her experience makes her more understanding.
Though she doesn’t fit in with younger parents or senior groups, Ruth finds joy in her grandson’s activities, like swimming and biking.
My weeks are usually packed.
Balancing work as an office manager at a car dealership and international mission work, Ruth’s schedule is full. Saturdays are reserved for fun activities with her grandson.
Day care and health insurance costs present significant challenges for grandparents. Ruth pays $10,400 annually for day care, a stark contrast to previous expenses.
I’m not rich by any means, and we don’t have everything that we want.
With a modest income, Ruth manages her finances carefully. Her Social Security income is limited, and she faces high property taxes and insurance costs.
Ruth is committed to working as long as necessary to provide for her son, emphasizing the importance of self-reliance and hope for his future.
