WITH or NEAR or ADJ are terms used by different databases, but work essentially the same way. You can designate how close you want the terms to be located. So, you have to sort of trick it into finding what you want by using the magic of with, near or adj . What we would do here is ask it to find cost within two words of living. These powerful tools allow you to search on all variations of a word without trying to think and type out every possibility.
Some databases use only one symbol for all truncation, others use two or all three.
The differences are illustrated below. Become familiar with a database's symbols and you've gained a valuable tool.