Your utility bill doesn’t care that your income never changes. Every month, electric, water, and gas companies send out statements that assume flexibility. They assume room to absorb spikes, the freedom to shift usage, and the ability to shrug off new fees. For anyone living on Social Security, a pension, or a carefully planned retirement withdrawal schedule, that assumption feels almost surreal. A fixed income means predictability on one side of the ledger. Utility pricing structures often mean volatility on the other.
