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‘Incredibly Scary’: Single Moms Fear Falling Through Holes In Pandemic Safety Net

Nellie Riether, whose kids are 13 and 15, has to decide whether to start spending her retirement savings or uproot her family from the house they're renting and move in with her sister.
Sarah Riether
Nellie Riether, whose kids are 13 and 15, has to decide whether to start spending her retirement savings or uproot her family from the house they're renting and move in with her sister.

Nellie Riether, a single mom from Ringwood, N.J., faces a stark choice: raid her retirement savings or uproot her kids from home and move in with her sister.

“To be honest, it’s mortifying and embarrassing at 46 years old to say I’m going to have to move in with my sister,” she says. “Emotionally, it’s a bit of a failure.”

Riether has been out of work since April, when she was furloughed from her job in office building design. She can’t pay the rent much longer, and she’s worried about her kids, who are 13 and 15.

The state jobless benefits she receives don’t even cover her rent, let alone her car payment, insurance and food. And she’s frustrated that Congress couldn’t figure out a compromise months ago to send more help in the middle of a national emergency.

“This is beyond politics — this is people’s lives,” says Riether. “This is my life. This is my family’s life. We need a stimulus package.”

A lot of people need help in the pandemic, but especially single mothers. There are approximately 13.6 million single parents in the U.S., raising 22.4 million children. Eighty percent of those single parents are moms. Women have lost more jobs than men during the recession, and others are quitting their jobs in frustration from the demands of child care. However, quitting is just not an option for most single parents.

For Riether, not having a partner to share the financial burden is just part of her predicament. There’s no partner to talk to. And it’s difficult to bring up with friends what she’s going through.

“I mean, I don’t want to burden other people with, ‘Well, I’m going to lose my home and be homeless,’ ” Riether says.

“I might make a joke about it, but it is very heavy and it weighs a lot. The future is uncertain and it’s incredibly scary. It’s just incredibly scary,” she says.

It’s a common fear for single moms who’ve lost their jobs and are watching their savings dwindle away — moms like Deborah, who got laid off in May from her public relations job with an entertainment company in Los Angeles. (She doesn’t want her last name used because she doesn’t want to hurt her chances of finding work.) Deborah says she has been looking hard for a job but nothing has come through. In the meantime, the rent will be due soon, and she’s not sure how she’ll pay it. She hasn’t talked about that with her daughter.

Griffin and her oldest son, Griffin Shade, 13, make Halloween treats outside their home.
Griffin and her oldest son, Griffin Shade, 13, make Halloween treats outside their home. / Tamika Moore for NPR

“I mean, she’s 7. I want her to make sure she keeps her innocence,” Deborah says. “I want her to just think the world is all rainbows.”

But for single moms relying on unemployment money and unable to find a job, the world is anything but rainbows right now. It has been nearly three months since an extra $600 a week in federal unemployment benefits expired. State benefits often aren’t enough to cover rent and other bills. And economists say many people are depleting their savings.

For single moms who are working, many feel fortunate to have a job, but between juggling remote school and housework, there’s never enough time. “I’m always kind of half-awake,” says Ellen Griffin, with an exhausted-sounding laugh. “Last night I think it was 2 before I fell asleep, and then [I was] up at 6.”

Griffin is a single mom in Birmingham, Ala., where she works at a public library. She has two kids, 10 and 13. Before she gets to work at 8 a.m., she needs to get her older son set up for remote school at her father’s house. He’s 90 years old.

Ellen Griffin sits with her oldest son outside her home.
Ellen Griffin sits with her oldest son outside her home. / Tamika Moore for NPR

Her younger son, Drake, needs more attention because of his autism. She shuttles him to school every morning. Then there’s speech therapy in another location. At the library, more than half the staff has been furloughed, so she’s doing extra work — running books in bags out for curbside pickup, while wearing a mask.

“It’s like Tetris,” she says, “trying to fix all the pieces so everything is covered.”

Copyright 2023 NPR. To see more, visit https://www.npr.org. utm

NPR correspondent Chris Arnold is based in Boston. His reports are heard regularly on NPR's award-winning newsmagazines Morning Edition, All Things Considered and Weekend Edition. He joined NPR in 1996 and was based in San Francisco before moving to Boston in 2001.

Arnold's reporting often focuses on consumer financial protection issues. Most recently he has been working with the investigations team at NPR.

During the pandemic, Arnold reported on renters facing eviction and homeowners at risk of foreclosure. His investigative stories showed how mortgage companies, in violation of federal rules, were misleading homeowners who'd lost their jobs in the shut-downs, demanding outrageous balloon payments if they skipped mortgage payments and scaring them away from help that Congress wanted them to have under the CARES Act.

Stories Arnold reported on mobile home parks showed how corporate owners of the parks were evicting lower income residents, even though they qualified for and were awaiting federal pandemic rental assistance.

Arnold was honored with a 2017 George Foster Peabody Award for his coverage of the Wells Fargo banking scandal. His stories sparked a Senate inquiry into the bank's treatment of employees who tried to blow the whistle on the wrongdoing. Arnold also won the National Association of Consumer Advocates Award for Investigative Journalism for a series of stories he reported with ProPublica that exposed improper debt collection practices by non-profit hospitals who were suing thousands of their low-income patients.

His series of stories "The Trouble with TEACH Grants," that he reported from 2018 - 2020 with NPR's Cory Turner, exposed a debacle at the U.S. Department of Education through which public school teachers had grants unfairly converted into large student loan debts — some upwards of $20,000. As a result of the stories, members of Congress demanded reforms and the Education Department overhauled the program and is now giving thousands of teachers their grant money back and erasing their debts.

In addition to reporting for NPR's main radio programs, Arnold was on the creative team that started NPR's Life Kit podcast. He has hosted many of its personal finance episodes which offer listeners actionable tips backed up by behavioral economics research on the best ways to save money, invest for the future and a range of other topics.

Arnold previously served as the lead reporter for the NPR series "Your Money and Your Life," which explored personal finance issues. As part of that, he reported on the problem of Wall Street firms charging excessive fees in retirement accounts — fees that siphon billions of dollars annually from Americans trying to save for the future. For this series, Arnold won the 2016 Gerald Loeb Award, which honors work that informs and protects the private investor and the general public.

Following the 2008 financial crisis and collapse of the housing market, Arnold reported on problems within the nation's largest banks that led to the banks improperly foreclosing on thousands of American homeowners. For this work, Arnold earned a 2011 Edward R. Murrow Award for the special series, "The Foreclosure Nightmare." He's also been honored with the Newspaper Guild's 2009 Heywood Broun Award for broadcast journalism. He was also a finalist for the Scripps Howard Foundation's National Journalism Award.

Arnold was chosen for a Nieman Journalism Fellowship at Harvard University during the 2012-2013 academic year. He joined a small group of other journalists from the U.S. and abroad and studied economics, leadership, and the future of journalism in the digital age. Arnold also taught Radio Journalism as a Lecturer at Yale University for 4 years prior to the pandemic.

Over his career at NPR, Arnold has covered a range of other subjects — from Katrina recovery in New Orleans and the Gulf Coast, to immigrant workers in the fishing industry, to a new kind of table saw that won't cut your fingers off. He traveled to Turin, Italy, for NPR's coverage of the 2006 Winter Olympics. He has also followed the dramatic rise in the numbers of teenagers abusing the powerful and highly addictive painkiller Oxycontin.

In the days and months following the Sept. 11 attacks, Arnold reported from New York and contributed to the NPR coverage that won the Overseas Press Club and the George Foster Peabody Awards. He chronicled the recovery effort at Ground Zero, focusing on members of the Port Authority Police department as they struggled with the deaths of 37 officers — the greatest loss of any police department in U.S. history.

Prior to his move to Boston, Arnold traveled the country for NPR doing feature stories on entrepreneurship. His pieces covered technologists, farmers, and family business owners. He also reported on efforts to kindle entrepreneurship in economically disadvantaged areas ranging from inner-city Los Angeles to the Pine Ridge Indian reservation in South Dakota.

Arnold has worked in public radio since 1993. Before joining NPR, he was a freelance reporter working out of San Francisco's NPR Member Station, KQED.

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