When retirees exhaust savings, they typically combine several strategies. Social Security becomes the primary income source, often covering only basics. Many downsize homes, relocate to cheaper areas, or rent out rooms to reduce expenses. Some return to part-time or gig work for cash flow and purpose. Government programs like Supplemental Security Income (SSI), Medicaid, SNAP, and housing assistance help cover healthcare and food. Family support becomes common, whether through shared housing or financial help. In tougher cases, medical debt or long-term care costs force difficult tradeoffs. The outcome depends on health, location, and support networks—but running out of savings rarely means having no options at all.