Small business owners who are not well connected often do not have any kind of saving as opportunities available to citizens often depend on their social network. After a particular age it becomes difficult to run a business because of health problems and biases against older people. However most business owners have invested their money in their own house and if they do not have anyone to support them financially in their old age, it is recommended that the house be used to get a reverse mortgage . The monthly amount received from the mortgage will depend on the appraised value of the house, so it is better to invest in the best house available locally.