What will happen to a pensioner who receives a small pension and does not want to sell a large apartment in the city center and luxury goods?

A pensioner who receives a small pension but does not want to sell a large apartment in the city center and luxury goods may face several potential challenges and considerations:

**Financial Strain**: Maintaining a large apartment and luxury goods can lead to financial strain, especially if the costs of property maintenance, taxes, and utilities exceed their pension income. This could lead to debt or a need to find alternative income sources.

**Cost of Living**: Living in a city center often comes with a high cost of living, including higher property taxes, service charges, and general day-to-day expenses. The pensioner might need to budget carefully or seek additional financial support.

**Downsizing**: If the pensioner is unwilling to sell, they might consider renting out part of their property or taking in a roommate to generate additional income. Alternatively, they might explore the possibility of downsizing to a smaller, more affordable space while retaining some of their luxury goods.

**Asset Liquidity**: Luxury goods could potentially be sold or consigned to generate cash. This could help supplement their income without having to sell their home. However, selling luxury items might require finding the right market and could lead to undervaluation.

**Government Assistance**: Depending on local laws and policies, the pensioner may be eligible for government assistance programs for low-income seniors, which can help with living expenses and healthcare.

**Community and Family Support**: Engaging with community resources or seeking help from family members could provide emotional and financial support, potentially alleviating some of the burdens.

**Long-term Planning**: It would be wise for the pensioner to consider consulting a financial advisor who specializes in retirement income to discuss their options and create a sustainable financial strategy.

In summary, the pensioner may not be required to sell their property or luxury goods immediately, but they should consider their financial situation carefully and explore various options to manage their living situation sustainably.