First, you find the simple subject and simple predicate.
If the '-ing' form of the verb is not part of the simple predicate, then determine how it is used in the sentence. If it's in a noun position, then it's a gerund. If it is used as an adjective, then it will be a participle.
Taking the ice cream cone after buying it
Answer:
Some people might not have saved a lot of money during their time working. Therefore, not having enough funds saved up in order to retire. Things are also more expensive than they used to be, causing old people to spend more money.
Explanation:
