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Have Open Talks About Retirement Planning

November 10, 2021 by Sharlyn Lauby Leave a Comment

airport wall sign it only gets easier from here when retirement planning

I love reading the news. As I get older, I’m coming to appreciate well curated sources for news. One of them is Morning Brew. It’s a FREE daily news recap written in a very casual conversational tone.

Well, the Morning Brew team have launched a twice-weekly newsletter focused on money matters called “Money Scoop”. It’s a nice blend of proven money strategies and new money trends (like cryptocurrency). One of their recent articles caught my eye, “3 Questions to Ask Your Parents Before Retirement”. The article was focused on the conversation that younger people should have with their parents to make sure their parents are prepared for retirement.

As I was reading the article, I was reminded that conversations go both ways. So yes, if you’re a younger person worried about how your parents are preparing for retirement, then by all means – ask them. But if you’re an older person preparing for retirement, have you started sharing information with your loved ones?

We’ve talked before about estate planning and making sure that loved ones know your final wishes, but I think this is something different. Do you have enough money to sustain your retirement?

If the answer is YES, then great! That’s quite the achievement. Saving for retirement isn’t easy.

It does raise the question about how much you expect to pass on in terms of inheritance. And do your loved ones know? I mean, are they expecting an inheritance? I know individuals who will need an inheritance to buy their own home. If they don’t get it…well, they will be surprised. And possibly upset. Does it make some sense to have conversations about what you expect to pass on to heirs?

If the answer to the “have enough money” question is NO, well…then do you need to talk with loved ones about how you’re going to manage?

This is nothing to be ashamed of – not having enough money to retire. According to Synchrony Bank, the average American in their 60s should have 8-10 times their annual salary in retirement savings. That’s a lot! There are many reasons that individuals do not reach that goal including housing expenses, health care expenses, and education expenses. But it doesn’t change the fact that a person might need help. Waiting until the last minute to ask for money or resources isn’t helpful to anyone. Start thinking about how you’re going to approach that conversation.

Regardless of the answer to the retirement planning question, I realize this is a difficult conversation. It’s possible we don’t have all the answers. On some level, retirement is an unknown for many of us. We might not have the answers for a long time.

But talking with loved ones about our plans could help to put our minds at ease. The people around us know we’re okay. They know we’re thinking about our plans and taking all the right steps. And if we need help or guidance, that we’re comfortable asking for it. Better to start those conversations now.   

Filed Under: Health and Aging, Money, Retirement Planning Tagged With: retirement planning, unretirement

Bookmark This! The Estate Planning Edition

October 20, 2021 by Sharlyn Lauby 3 Comments

let's disrupt aging sign

I know that all of these “special days” and “special months” might seem a bit excessive, but in some cases, I believe they might be helpful. For example, October is estate planning month. Let’s face it, we probably don’t want to talk about estate planning. So maybe having an estate planning month kinda reminds us that it’s important and we need to work on it.

Regular readers of Unretirement Project know that Keith and I have been writing about this topic for a while. We’ve been working on our estate plans on and off for a couple of years. Yes, that’s not a typo. Estate planning can be complicated. One document might not cover everything. So, if you’re looking for some resources to start your estate planning process, here are a few articles to get you started:

Loved Ones Must Know Your Health Care Wishes

It might take some time to figure out how you would like your health care treatment handled and who you would like to be your spokesperson. And then of course, there’s the decision of backups in case your first choice isn’t willing or able to take on this responsibility. The point being, the process of putting these plans in place takes time. The ideal time to do all of this is when you’re not under the pressure of having to do it.

Make a FINAL File for Your Loved Ones

Talking about illness and death isn’t fun. None of us want to do it. I remember every time we visited my father-in-law, he would at some point have the “When I die…” conversation. On one hand, you dread it. That’s not why you came to visit. It’s to enjoy his company. But when his health did start failing, we were prepared. And it allowed us to focus on making his final days comfortable versus worrying about papers, insurance, etc.

AARP Personal Estate Planning Course

The AARP Foundation offers a personal estate planning lesson book and record book for download. The documents might be a good way to start conversations like “Who should be my executor?” and “Do I need a trust?” The recordkeeping guide is just that – a place to record information in case someone needs it and you’re not in a position to tell them.

Estate Planning: 3 Important Takeaways

We found out quickly that you should have a Plan A, Plan B, and at least a Plan C when it comes to estate planning. It turns out that different states have different laws regarding things like taxes and executors. And if your will doesn’t follow the laws for your state, chances are the estate will be disposed by probate court. That could mean additional costly headaches for heirs and family.

Estate Planning: Remember Your Digital Life

Most of us can readily think of bank accounts, investments, and insurance when estate planning. But we tend to overlook who should be responsible for our digital streaming accounts when we can no longer Netflix and chill. Take a moment to think of the things you send to cloud storage, and you will see why planning for your digital estate is just as important as who gets your home or car when you’re gone.

Estate planning isn’t the sexiest activity, but it’s a necessary one. We want others to know our final wishes and we want them to respect them. The best time to put these plans in place is when you have the time and the budget to do it.

Filed Under: Health and Aging, Law and Legal, Retirement Planning Tagged With: estate planning, retirement planning

What We Are UP To: The Reentry Edition

May 19, 2021 by Sharlyn Lauby 2 Comments

long bridge to reentry into paradise

Thank you so much for being patient the past few weeks. Like many people, we’ve been busy with vaccinations and thinking about reentry! While we’ve been waiting for this moment for a while, it’s possible that on some level, reentry could actually be more challenging that sheltering. Here’s what we’ve been up to:

Watching | Falcon and the Winter Soldier

> Regular readers of Unretirement Project know we’re Marvel fans. We finished watching WandaVision recently and just started on this new show. However, we do have a tough decision to make with our reentry: when will we feel comfortable going to a movie theater? There are lots of exciting movies coming out in the months to come.

Reading | The Stand

> I’m not a big horror fan, but I do love Stephen King’s writing. Since the pandemic started, people have been talking about “The Stand” and I had never read it. Finally got my hands on a copy. It’s the “uncut” version – 1308 pages! So far, it’s off to a good start but I have a lot more pages to go. Something tells me that I’ll be well into reentry before I finish this one.

Remembering | The “next normal” is what we make it

> I keep reminding myself that returning to normal doesn’t necessarily mean a return to everything we used to do. We’ve developed some good habits over the past year that we want to keep. And we’ve gotten rid of some old habits that we don’t want to start again.

Working On | Vacation plans

> Like many of you, we’ve had several vacations cancelled over the past year. I’m not sure if we will get a lengthy vacation in this year but we are finding that travel accommodations are in demand. We’ve looked at a few trips over the past few weeks that are marked “sold out”. It’s clear that we’re not the only ones missing travel.

Feeling | Good

> While we’re certainly not done with COVID-19, things seem to be moving in a positive direction. Vaccinations are up and cases and deaths are down in many places. The Centers for Disease Control (CDC) are offering more guidance on the things we are able to do as part of our safe reentry and return to society. It’s great to be able to do more activities, but we’re playing it cautious.

Planning | A day trip

> As part of our reentry, we’re planning a few day trips. Gainesville is a small city, so we’ve decided to drive to a larger city (like Orlando or Tampa) to run some errands. It’s a good way to get our car on the open highway and when we’re ready to come home…we can. There’s also a terrific barbecue place right outside the city, so we can stop for some takeout on the way back home.

Loving | Nail Oil Pens

> One of the habits that I started during the pandemic was using a nail oil pen on my cuticles. I haven’t been going for manicures and my nails were quite a mess. I read somewhere about a writer who kept a nail oil pen on their desk and used it every morning. So, I decided to give it a try. Very easy habit to develop and it really makes a difference! While I’m looking forward to manicures as part of my reentry, I will not be abandoning this new habit.

Geeking | Spaceship Earth speaker holder

> If you have an Amazon Echo dot or a Google Mini Nest, this holder is so cool! It’s a 3D printed copy of Disney’s Spaceship Earth, the iconic ride at the entrance to EPCOT. The dot/Nest sits on top, and it has a port for the cords to come out the back. Fun for kids and adult kids alike. 

What’s UP with you? Let us know what you have planned for your reentry!

Filed Under: Fun, Health and Aging, Travel, Wellbeing Tagged With: healthy aging, well-being, wellness

Create Opportunities to Get More Comfortable with Technology

March 24, 2021 by Sharlyn Lauby Leave a Comment

shirt print about technology technically awesome

I’ve seen several headlines recently about seniors who are frustrated because they can’t get COVID-19 vaccine appointments. Because the majority of places offering appointments are doing so online.

I realize that it won’t eliminate the frustration, but I’d like to think that everyone realizes the reason that county health departments and retailers are using online technologies to schedule vaccine appointments is because its faster. Individuals can schedule their appointments at their convenience. The scheduling process involves fewer people, which allows those people to focus on the task of putting shots in arms. Which is what we all want. 

In an article on The Verge, I learned that only about half of individuals age 75 plus use the internet. Of course, not using or having access to the internet is not only frustrating for older individuals, but for organizations. In a study from McKinsey & Company, the COVID-19 pandemic has accelerated technology advancements seven years. Think about that. The McKinsey study is saying that we’ve put seven years of technological advancements in the past year alone. 

While I understand that having access to technology is an equally important issue, we’re going to save that conversation for another day. Individuals need to figure out how to get more comfortable using technology. It’s not about age. It’s about being able to get the things that you need and want using the technology that is available. 

Using Social Media in Unretirement: 5 Day Plans

Social media isn’t just some fad. It continues to grow as a communication medium, connecting business and personal brands with a vast global network. Whatever your goals, you can scale your social media activity up or down. Right now, we’re really experiencing the value of connection. Learn how to carry that forward into your own retirement and unretirement.


How to Become More Media Literate

As much as technology and social media have enriched our lives, those tools have also created challenges in being media literate. Each of us has been susceptible to misinformation on the internet. My guess is that won’t be ending anytime soon. This isn’t something to be ashamed or embarrassed about. Even professional journalists have had it happen. And the answer isn’t to stop using the internet. It’s to get better about questioning what we read and see. 


Healthy Aging is Trendy Thanks to Global Shift

For the first time globally in 2018, the number of people over 65 has surpassed those under 5 and that number has only grown since. The healthy aging trend has not been lost on Madison Avenue and other leading marketers throughout the globe. As a result, many brands are viewing seniors as a prized demographic. They are expanding their product offerings along with their marketing budgets to reach the over-65 consumer. And even a few brands that target a much younger audience are developing new product lines with healthy aging in mind.


Smart Home Technology Helps Aging in Place

You don’t need to get a degree in engineering to become proficient with smart home technologies. But for all of those people who might be saying, “Ah, who needs the internet?!” keep in mind that smart homes are the wave of the future. It’s what people want. And it’s what companies are making. At some point, it is possible that all we might be able to buy are smart home technologies. No one wants to age behind a steep learning curve.

Organizations have the ability to create wonderful, valuable products and services for the aging population. My prediction is that many of those products and services will involve technology. Our ability to use technology could have a significant impact on our aging and retirement. It would be better to learn more about technology when you can do it comfortably at your own pace.

Filed Under: Health and Aging, Retirement Life, Technology Tagged With: technology

What We Are UP To – The Waiting Edition

March 10, 2021 by Sharlyn Lauby Leave a Comment

waiting Tom Petty Gainesville wall art

Occasionally we receive free products for review or include advertising links in posts, but no one impacts the honesty of our opinions.

One of the little factoids you might not know about Gainesville, Florida is that it’s the birthplace of Rock and Roll Hall of Famer Tom Petty. I can’t help but think of his song “The Waiting” as we are all “waiting” our turn for COVID-19 vaccines. See what I did there – ha.ha. Seriously, while we’ve been waiting, we’ve found a few things to keep us busy.

Watching | History of Swear Words

> I understand there are many studies that say people who use swear words are more intelligent and creative. My use of swear words is mostly limited to when I slam my fingers in drawers (as in “Oh, S***!) But we do like Nicolas Cage, so we were anxiously waiting for this Netflix series. It’s fun and there are great history lessons from etymologists about the origins and evolution of swear words.   

Reading | Books About Cosy/Cozy

> To help me enjoy my waiting time (and because it’s a little chilly outside), I’ve been reading books focused on the art of comfort. My list includes “Cosy: The British Art of Comfort” and “The Cozy Life: Rediscover the Joy of Simple Things Through the Danish Concept of Hygge”. My big takeaway from them is to define your own cosy/cozy. It might take some time to figure it out. And we also have to learn how to be respectful of other people’s cosy/cozy. 

Remembering | Our most popular post 

> We were wondering the other day about the most popular content on Unretirement Project. Interestingly, it’s a post from 2019 titled “3 Ways You May Contribute to Your Own Ageism”. There are some great reminders in it about not sitting around waiting to get old and making your own decisions on how you want to age.

Working On | Taking Pictures

> One of the things we miss about traveling is taking pictures. We love street art and it’s fun to walk around cities and capture their essence through street art. We’ve decided that we haven’t been fair enough to Gainesville and, instead of waiting to take pictures of other cities, we’re going to take more local images. Our city has installed a new social justice murals project that we want to check out. 

Feeling | Hopeful

> We’re very encouraged by the positive vaccine news. We know that we still have several weeks – possibly months – of waiting until we’re able to get the vaccine. It’s nice to know the process is moving in the right direction. We can’t let our guard down. In the meantime, we have started double masking. 

Planning | Of course, vaccines!

> While we’re waiting, I’m finding it very helpful to start bookmarking the websites of places that will be offering the vaccine in our area. Even though we’re not in the eligible category yet, this allows us to see how the website works and what information we might need to have handy at the point we are eligible. You might find it helpful to prepare in advance so you’re ready when it’s time. 

Loving | Ghee

> We’ve been watching some cooking shows lately and they’ve mentioned Indian clarified butter or ghee. We found some at the grocery and decided to give it a try. Our first attempt was using it to sauté some gnocchi. OMGosh…so good!  

Geeking | LEGO Bonsai Tree

> I love bonsai trees, but they do not love me. I’ve had more than my fair share perish. Keith absolutely refuses to buy anymore. However, he did buy me one that I can’t destroy. LEGO has created a botanical collection including a bonsai tree. It’s beautiful! They also have a bouquet kit that I’ve got my eye on.

What’s UP with you? We hope you’re safe and well. 

Filed Under: Health and Aging, Home and Lifestyle, Wellbeing Tagged With: healthy aging, wellness

Aging Doesn’t Have to Lead to Ageism

February 24, 2021 by Sharlyn Lauby Leave a Comment

wall sign with phrase oh the places you will go speaking out against ageism

Age discrimination, or ageism, remains an issue for employees. According to a study from Hiscox, the number of age-related discrimination charges filed by workers over age 65 doubled in the past decade. I wish I could say that there was some magic solution but unfortunately, I don’t have the answer. 

What I can say is that when you look at employer defenses in age discrimination claims, many of them mention that the employee’s skills were out of date and they lacked creativity and curiosity. Don’t misunderstand my comment. I’m not saying these employers have a valid argument. I don’t know the specifics. But as someone who reads about discrimination cases, I do find this an interesting trend. 

On the flip side, when I talk to older workers who have been fired or laid off, they always respond that it’s because of their age. It couldn’t possibly be for any other reason like violating a rule or the person’s position becoming redundant or the business not doing well financially. Again, I don’t know the specifics of the employee’s departure, but the trend is interesting. 

One of the things that both employees and employers should realize is that aging is inevitable, and aging doesn’t have to lead to ageism. 

Forget the Term “Boomers” and Get Ready for the Young Old

“Young Old” (aka YOLD) individuals are working longer, staying healthier, and represent a significant consumer market. This should not be a surprise to anyone. Regardless of the unemployment rate, organizations need the best talent and YOLD individuals are willing to work a few more years because they want to, and they can save up a few extra dollars. The time to think about how you want to spend your YOLD years is now. Because you want to spend them your way.

3 Ways You May Contribute to Your Own Ageism

Regardless of your physical age, if you act like the stereotype then people will assume you are one. As we age, we have some decisions to make and one of the biggest is deciding how we will accept aging. If we want others to see us as contributors, then we need to act like it. Please notice I didn’t say we need to act “young”. People need to accept our age for what it is. But that doesn’t mean we’re not able to bring value. We need to send the message and demonstrate that we can. 

While I can’t control what others do or say, these two articles remind me that I have some control over my aging journey. I can still enjoy nostalgia and also explore new things. 

In addition, we recently published an article about “Healthy Aging is Trendy Thanks to Global Shift”. Demographics are changing the way marketers look at older persons. This could have a huge impact on the way aging is viewed. 

Hopefully, the shift in demographics and our own views about aging will create a much needed shift in perceptions about ageism. 

Filed Under: Careers, Health and Aging, Retirement Life Tagged With: encore career, unretirement

Healthy Aging is Trendy Thanks to Global Shift

February 10, 2021 by Keith Lauby Leave a Comment

wall art with the sentence the time of your life while healthy aging

We know that healthy aging is important. Harvard Health reports that more seniors are opting to age in place rather than pursue other options. They recommend a checklist of potential health-related issues that should be considered for successful healthy aging. These include strength, flexibility, sharp thinking skills, and endurance among others.

Right now, only 15 countries have more than 20% of their population at an age of 65 or above. That number of countries is expected to grow to 44 by 2030 and to 61 by 2050. For the first time globally in 2018, the number of people over 65 has surpassed those under 5 and that number has only grown since.

The growing numbers of aging adults has prompted AARP to partner with the University of Michigan to create the National Poll on Healthy Aging (NPHA). The goal of the survey is to tap into perspectives of older adults and their caregivers to help inform the public, health care providers, and policymakers on issues related to healthy aging.

With the onset of COVID-19, NPHA has focused many of their surveys around the risks for older adults. Shifts to telehealth visits and patient portals showed lack of medical information access at a time when it is needed most. 

The healthy aging trend has not been lost on Madison Avenue and other leading marketers throughout the globe. As a result, many brands are viewing seniors as a prized demographic. They are expanding their product offerings along with their marketing budgets to reach the over-65 consumer. And even a few brands that target a much younger audience are developing new product lines with healthy aging in mind.

For instance, a company which makes infant formula has now launched a product in China that it says contains ingredients to boost the immune system in aging consumers. Another company introduced a powdered milk drink targeting older adults which it says enhances mobility during aging.

Swedish furnishing retailer IKEA has expanded its product line to include upright armchairs with higher seating to make it a little easier for aging adults to rise out of their chairs. Proctor & Gamble Co. has started selling razors  that they envision for caregivers in Canada, where company data shows one in four people helps someone with aging-related needs.

Not surprisingly, this product expansion has extended to skin and beauty products and the trend is expected to continue longer-term. It’s too early to tell the outcome of marketer focus on mature consumers. For now, we can probably just be thankful that executives want us to stay healthy later in life.

Filed Under: Health and Aging, Retirement Life, Wellbeing Tagged With: healthy aging

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