I'm 80 and still working. I've filed for bankruptcy twice and have only $37 in my savings account, but I feel blessed.

Bridget Bennett for BI

This as-told-to essay is based on a conversation with Sandy McConnell, 80, who lives in Nevada. McConnell works as a full-time accounts receivable specialist, earning about $50,000 annually. She has $37 in savings and more than $70,000 in debt, not including her house. Business Insider has verified McConnell's current income and financial situation with documentation. This interview has been edited for length and clarity.