Although the average income of older Americans has grown rapidly over recent decades, 6.5 million adults ages 65 and older—14 percent of the older population—do not have enough income to meet their needs. Older African Americans, Hispanics, people who did not complete high school, people with disabilities, and unmarried adults are especially likely to experience financial hardship. Older low-income adults receive most of their income from Social Security and devote much of it to housing even when they own their home free and clear, because utilities, home maintenance and repairs, insurance, and property taxes are often expensive.