Life's third act

I recently watched with my mother-in-law (in her seventies) the talk by Jane Fonda "Life's third act" on TED talks. view talk here I really enjoyed her talk and thought that the analogy of life as 'going upstairs' (rather than going up some steps and after peaking, going the steps down) was very apt. My mother-in-law felt that most of it was very true. When I probed she said that she couldn't remember the details but it felt that way. She made, however, the point that Jane Fonda is someone who has sufficient money and that an older person's development might be very different when they have money worries. I couldn't disagree with this, and now wonder how for example a homeless older person experience life.