Category Archives: Retirement

President Obama Says the “A” Word: Alzheimer’s

President Obama Says the “A” Word: Alzheimer’s.

Lest you think that Alzheimer’s has nothing to do with you, look at the following statistics provided by the Alzheimer’s Association:

  • By the year 2050, nearly one million new cases will be diagnosed each year – that’s one American developing Alzheimer’s every 33 seconds.  Taken further, that most likely equates to nearly one and a half million new family caregivers each year – considering that at least one family member will be involved in managing a loved one’s care;
  • Ten million Baby Boomers will get Alzheimer’s;
  • On average, 40% of a person’s years with Alzheimer’s are spent in the most severe stage of the disease;
  • The number of Americans that die each year from Alzheimer’s disease has risen 66% since the year 2000;
  • Alzheimer’s is the sixth-leading cause of death in the United States;
  • Today, there are no Alzheimer’s survivors – none.

Please take time to read the article I’ve attached above and consider the following: We are going to pay for Alzheimer’s one way or the other – now, or later.

This is a disease that will affect you, your children, your grandchildren, great-grandchildren, and beyond.  Burying our heads in the sand won’t solve anything.  Please consider donating to the Alzheimer’s Association as well as contacting your state’s congressional leaders asking for greater federal funding for Alzheimer’s research.  Why?  Because of this staggering statistic:

According to the National Institute of Health, the federal government currently spends much less money on Alzheimer’s research, prevention, and cure than on other conditions such as cancer, heart disease, and HIV.

  • $6 billion for cancer;
  • $4 billion for heart disease;
  • $3 billion for HIV/AIDS; but just
  • $480 million for Alzheimer’s disease.

I’m not comfortable with those numbers – are you?

The world as we know it – the good, the bad, the ugly.

In a recent NY Times post, Catherine Rampell writes about how the economy is affecting Baby Boomers; more specifically that it’s not just a matter of postponing retirement, it’s the need to hold down more than one job to meet the daily – and future – essentials of their lives.  Ms. Rampell is quick to point out, however, “(I)n the current listless economy, every generation has a claim to have been most injured.”  Certainly that seems to be the case as I have heard that Generation X and the Millennials have complained that Baby Boomers are to blame for the state of the economy – present and future.

English: Crowd gathering on Wall Street after ...

Crowd gathering on Wall Street after the stock market crash of October 1929. (Photo credit: Wikipedia)

Of this I am certain – each generation before us, and every generation after us, will contribute positively and negatively to the world as we know it.  I have to believe that every generation has pointed their fingers at generations other than theirs, and talked about the good, the bad, and the ugly that permeates their times.  Let’s look at those generations as posted on CNN, American Generations Through the Years: (figures and personalities provided by the Pew Research Center and CNN)

G.I./Greatest Generation: Pre-1928; Kate Hepburn and George H. W. Bush

Silent Generation: 1925 – 1945; Martin Luther King, Jr. and Tina Turner

Baby Boomers: 1946 – 1964; Oprah Winfrey and Michael Jordan

Generation X: 1965-1980; Jay-Z and Tiger Woods

Millennials: Post 1980; Christina Aguilera and Mark Zuckerberg

We’re all struggling in some way, and we’ll continue to struggle as we mimic the overall consensus felt through all generations.  There are carefree times, and then there are all the rest of our days, and we get through them, because we must.  We’re better for it, but it doesn’t feel like that while we’re going through it.  I have to look to Brendan Marrocco, a twenty-six year old Iraq war veteran who lost all his limbs because of a roadside bomb in 2009.  In an Associated Press story, in the Seattle Times, Brendan said he could get by without his legs, but he didn’t like living without arms.  “Not having arms takes so much away from you.  Even your personality  …  You talk with your hands.  You do everything with your hands, and when you don’t have that, you’re kind of lost for a while.”

The end of January 2013, six weeks after getting a double arm transplant, Brendan said the following at a coming-out press conference about how he’s made it thus far:

Just not to give up hope.  You know, life always gets better, and you’re still alive.  And be stubborn.  There’s a lot of people who will say you can’t do something.  Just be stubborn and do it anyway.

Sobering words, and ones that force us to reassess our current situations.  I’m not trying to minimize what you might be going through, nor of what’s going on in my life.  It’s just that I personally can’t help but focus on Brendan’s plight and then consciously turn my eyes away from my me-ness, and towards other-people-ness.  Is Brendan worse off as a Millennial who lost so much but gained a huge dose of intestinal fortitude, defined as strength of character; perseverance?  If it were me, I would be wallowing in a very deep pit of self-pity.  That doesn’t seem to be Brendan’s current location.

The Gift that Keeps on Giving – until it’s no longer needed.

Rev. Dale Susan Edmonds answers your questions about caregiving.

The above link, from a December 2012 NBC News report, addresses the conversations that many of us – well, many of you anyway – still need to have with your parents.  (My mother died in 1994, my father in 2007 – those conversations have long since taken place.)  In many respects, my brother and sister and I were fortunate because in our family, the topic of sickness and death seemed no different from discussing that night’s dinner menu – perhaps even easier.  That’s just how it was in our household growing up.  But I’m aware that universally, that is not the case.

In my article Cost of Dying: planning for a good death, from advance directive to talking with your family, I’ve attached an exceptional article about a few people’s experiences discussing how their loved ones want to die.  By now I may have lost some of you, but bear with me.  There’s a reason why I’ve chosen to address this topic.

presenting

(Photo credit: only alice)

GIFTS.  Who doesn’t like receiving gifts?  Most of us get a kick out of being handed a package with a fully wrapped surprise within and told to “open it!”  “What, for me?”  Yes – for you.  Perhaps the gift is something we didn’t expect, or we’ve sufficiently hinted our exact wishes and finally someone gifted us with that long sought after item.  Fun, isn’t it?  Someone cared enough to gift you with something you’ve always wanted or you receive something that you didn’t know you wanted, but it turns out, you do!!!

THE GIFT THAT KEEPS ON GIVING.  A few years ago, I succeeded in convincing my wonderful hubby that we needed to put together our “last wishes” which of course includes a Will, but more importantly, an Advanced Health Care Directive.  My husband is one of those who isn’t exactly comfortable sitting around the dinner table – or any table for that matter – talking about death.  I get that – I really do.  So I couched this discussion by talking about what a gift my parents, and his parents, gave their families by specifically outlining what to do when it came time to do something.

When your loved one is heading towards the great beyond, it’s comforting to already have his or her wishes on paper and ready to execute – no pun intended.  I’ll use my father as an example.  My father died at the age of 89 on October 13, 2007.  Official cause of death was prostate cancer but advanced Alzheimer’s was a huge factor in his death.  There is no way my father would have a) survived cancer surgery; and b) even wanted cancer surgery at that stage of his dying.  His Advanced Health Care Directive very clearly stated his wishes and us three siblings had copies of that document and respectfully went along with his wishes.  Dad saved us the stress of making an extremely difficult guesstimate of what he would have wanted in the midst of that situation.  His dying was already an emotional experience so I can’t imagine having some sort of discussion about when to stop treating his illnesses.

The legal document, drafted years earlier, was drafted for this specific time.  Even if dad had been conscious – and he was not – his dementia would have prevented him from making a well-informed decision.  If ever there was a time when dad’s gift was ready to be presented – this was it.  That gift allowed us to spend our last hours with him simply loving him; singing to him; and telling him how grateful we were to have him as our dad.  Beautiful.

You don’t have to wait until you are 50 years or older to put your wishes in print.  Old people aren’t the only ones dying who require some sort of affirmative decision-making.  Someone in their thirties could be in a horrific vehicle accident and end up lingering on the precipice of death.  A forty-year old person could have a stroke and be on that same precipice.  It’s never too early to do something about your exit from this world as we know it.  You can always change your mind later – you decide that you do, or do not, want hydration, so you revise the document.  That’s the beauty of word processing – it’s changeable, and once you get that revised version documented by witnesses, you’re good to go!  Literally.

If you choose to use an attorney, you can go through the local Bar Association for referrals or you can attempt the same outcome by doing it yourself.  Many office supply stores have boiler plate legal documents you can readily purchase – but be certain to purchase the forms that contain the required legal verbiage for your state or territory.  Additionally, organizations such as Compassion and Choices provides forms that you can download from their website, even a form that has a Dementia Provision.  Who woulda thunk?  Not me.

The Holidays may be over, but the season of gift-giving is not.  Won’t you consider giving your loved ones one more gift this year?

Your Grandparents are Cooler than you Think.

I have been asked to hold workshops at two different Middle School/Junior High Schools in the next few weeks in an attempt to show that the gap between us Baby Boomers and the pre-teen/young teen population isn’t as big as one might think.

English: A grandfather teaching his little gra...

Photo by KF. (Photo credit: Wikipedia)

The age group of this audience is not one with which I have ever worked but I absolutely love stretching my skill set so I’m very excited to take on this task.  I hope to deliver a workshop that engages the younger age group and leaves them with the tools needed to be more comfortable connecting with people in older age groups.

Description of the workshop, submitted to the schools: There is so much to be shared between generations, but we often miss out because we feel as though we speak different languages – and sometimes we do.  For example, when you say that something’s “filthy,” your grandparents might have said it was “boss.”  Believe it or not, your grandparents, and your great grandparents, were your age once so you do have that in common, and while it’s true that there is a lot to learn from older generations, they can learn a lot from you, too.

That’s where you come in.  We all know that there are obvious differences between the two generations, given the advancement of technology and the like, but I think a closer look at those differences brings about the realization that many similarities exist but they are just dressed differently.

I covet your input so please feel free to leave some suggestions and/or comments below.

Lighten up Mondays.

One evening, a family brought their frail, elderly mother to a nursing home and left her, knowing that after all the research they did to find a great place, she would be well cared for.

The next morning, the nurses bathed her, fed her a tasty breakfast of an omelet, sausages, and pancakes, and set her in a chair at a window overlooking a lovely flower garden.

She seemed okay, but after a while, she slowly started to lean over sideways in her chair.  Two very attentive nurses immediately rushed to her side to catch her and straighten her up.  Again, she seemed okay but after a while, she started to tilt to the other side.  The nurses rushed back, and once more moved her upright.  This went on all morning.

Later the family arrived to see how their mother was adjusting to her new home.

“So Ma, how is it here?  Are they treating you alright?”

“It’s pretty nice here,” she replied, “except they won’t let me fart!”

New roommate paradigm: adult children & their parents.

Historically, it’s the adult children who move back into the parents’ home, oftentimes because of financial issues.  Apparently that is no longer the sole definition of multi-generational living.

In a USA Today article, Who’s moving in? Adult kids, aging parents, Haya El Nasser writes, “(A)bout one in seven say they already have a ‘boomerang kid’ – an adult child who moves back home – or elderly parent living under their roof.”

This brings about two unexpected events:

  • The parents who enjoyed their empty nest and started to reestablish themselves as a couple, instead of just as parents, suddenly have an adult living with them who just happens to be the kid they gave birth to 30 years ago; or
  • The adult child who strove to establish his home with his spouse and their 2.5 kids suddenly have a parent living with them requiring just as much attention, if not more, than the young children they themselves brought into this world.

The USA Today article above focuses on a rising trend towards families deciding to purchase larger homes than they would have previously considered with the anticipation that it would be more economical to have other adult family members living in – and contributing to – the same household.  Talk about a paradigm shift!  Stephen Melman, director of economic services at the National Association of Home Builders says, “I remember when I was in college, no one wanted to be near their parents.”  That thought certainly resonates with me.  When I was single in my 20s and early 30s there was no such luxury of renting a place on my own and living-at-home was definitely not an option.  At one time I had two roommates so all three of us shared the same bathroom, kitchen and common living space.  Inconvenient and not as private as we would have liked?  Certainly – but the only way to afford housing and have the ability to put away money for our future was to split costs with other like-minded adults.

A Pew Research report earlier this year showed that “the share of Americans living in multi-generational households is at its highest since the 1950s.”  OMG!  As a Baby Boomer who was born in 1953, I just have to repeat, “OMG!!!!!”

My focus today is on the caregiving issue – that adult children and/or Baby Boomers find themselves with the added responsibility as caregiver to a loved one.  In my article Start your retirement – start your job as a family caregiver I address the caregiving aspect of Baby Boomer retirement which sometimes evolves into multi-generational living.  Our quality of life definition tends to change as family caregiving is added to our lives.  But it’s a fact of life for many of us and one that very few can escape.  But herein lies the problem…

Most of us aren’t prepared for that eventuality.  Those of us who are counting the days until retirement kid ourselves into believing that caregiving happens to others, not to us.  And our adult children find it difficult to wrap their minds around that type of living scenario whilst in the midst of their hectic career development and ever-changing family dynamics.

So what happens?  We find ourselves in an emergent situation that requires immediate action that may not be well-thought out because we don’t have the time to make a well-informed decision.  We all know that the worse time to make a life-changing decision is in an emergency.  There is a wealth of information available at our fingertips – the worldwide web is replete with helpful resources.  Even this website has many articles written on the subject.  As you browse through this website’s categories, be sure to enter a search term in the “Search My Site” box located at the right-hand side of each content page.

I’m not suggesting that you finalize plans that might not be implemented until many years down the road – or at all.  What I am suggesting, however, is that we all become aware that a) these issues exist and could very well happen in our own lives; and b) we’re going to do what we can now to make wise decisions later.

When the Mind Says Goodbye – Alzheimer’s Reading Room.

When the Mind Says Goodbye is a thoroughly touching mini-video (less than 5 minutes long with beautiful music accompaniment) chronicling a married couple’s journey as best friends in early childhood, all the way through their marriage -  currently a more than 87 year-long relationship.

This couple, George and Adriana Cuevas, show us how a lack of words does not have to limit ones ability to relate to, and comfort, a loved one.  I hope you will take the time to observe this loving couple as they walk through the hallways of Adriana’s memory care unit, and as they sit side-by-side with only touch and eye contact as a communicator.

It seems to work for them.  How lovely that their marriage commitment lives on, even when the mind has already said goodbye.

Health Care Reform and Medicare Myths vs. Facts – AARP

Health Care Reform and Medicare Myths vs. Facts – AARP.

During this highly contentious and rude political season, it’s really difficult to discern fact from fiction.  Oftentimes we get caught up in the rhetoric spoken by Talking Heads and dismiss what we’re hearing based on which Talking Head is doing the talking.

For the most part, I’ve trusted what the AARP has put out regarding issues and candidates over the years so I felt fairly confident in posting this article.

If you want clarification about the following myths, please take the time to read the above link.

Myth 1: The new law cuts Medicare drastically, so I won’t be able to get quality health care;

Myth 2: I’ve heard that Medicare Advantage plans will be cut or taken away;

Myth 3: I’ll have to wait longer to see my doctor – or I won’t be able to see my doctor at all;

Myth 4: If I have Medicare, I will need to get more or different insurance;

Myth 5: The new law “raids Medicare of $716 billion”;

Myth 6: The law is going to bankrupt America;

Myth 7: The new law will drive up premiums astronomically;

Myth 8: If I can’t afford to buy health insurance, I’ll be taxed – or worse;

Myth 9: I’m a small-business owner and I’ll pay big fines if I don’t provide health insurance to my employees;

Myth 10: The Affordable Care Act (ACA) basically turns our health care system into universal health care.  So now some government bureaucrat will decide how and when I get treated;

Myth 11: If my state doesn’t set up an insurance exchange, I can’t get health coverage.

Bette Midler Discusses Her Life Lessons – AARP

Bette Midler Discusses Her Life Lessons – AARP.

You know you’re a Baby Boomer if you:

a) know who Bette Midler is; and

b) know that she is affectionately called “The Divine Miss M.”

It’s comforting to know that us normal Baby Boomers aren’t the only ones getting older.  Even world-renowned actors and singers fall victim to the passage of time.  Ms. Midler turns 67-years old on December 1, 2012, and I have to say that she looks fabulous in the October/November 2012 issue of AARP Magazine!  Let me provide some additional Baby Boomers that should ring a bell with you:

  • Tom Cruise 50-years old;
  • Madonna 54-years old;
  • Jay Leno 62-years old;
  • Meryl Streep 63-years old;
  • Cher 66-years old; and
  • Dustin Hoffman  and Warren Beatty 75-years old.

In the article linked above, Ms. Midler mentions that she came to the realization that, “Life is not your  personal express lane…It doesn’t all have to be about me!”  She also talks about dreams, destiny and deciding what matters.  I like that last point – deciding what matters – because oftentimes I find myself sweating the small stuff and you know what they say, “it’s all small stuff.”

Enjoy!!!

Life is a series of reboots.

060526-N-9543M-001 New York City (May 26th, 20...

(Photo credit: Wikipedia)

Katie Couric is redesigning her news career with a daytime talk show; and Jeff Probst of the “Survivor” television series has done the same.  I guess you don’t have to be a normal non-celebrity middle class person to be bored or unsatisfied with life to have an excuse to recreate yourself.

In my article, “Creating the next chapter of your life” I focus on the tendency of some of us to seek new ways in which to express ourselves and/or additional ways in which to make an impact on our small portion of the world.  This is certainly a topic that rarely leaves my thought process as witnessed by some of the other articles I’ve written, including: “Dragonfly: a well-lived brief lifetime,” and “Voices of the Bored Retirees.” 

But I’m not the only one who is currently redefining or recreating ones life.

I am personally acquainted with a 79-year old woman, a 64-year old man, and a 63-year old,  59-year old, and 36-year old woman, who are actively pursuing a transition from one chapter of their lives to the next.  Personally, I feel that such a pursuit is good for the psyche; it brings a fresh outlook on what we’re still able to accomplish, and, equally as important, might prove beneficial to others as we stretch our wings – and perhaps even our comfort zone – in our efforts to make the most of our talents.

Does this mean that if a person spends decades in the same career they are less evolved or community-focused?

Hell no.  I happen to be married to a wonderful man who has been with the same company since he graduated from college more than 30 years ago, and not only is he doing all he can, and then some, in his career, he also reaches out to others for whom his other non-job skills – and there are many – can be used.  And boy do we need those dedicated employees in this world who are not only committed to their chosen career path but who also defy the odds – and improve the economic forecast – by staying with the same employer.  I’m glad some of you are doing that, and doing it so very well.

I think I can credit, and thank, my limited attention span for the catalyst that keeps me on the look out for that “something else” that might be out there for me to do.  Fortunately, most of the reboots I’ve experienced have worked out for the better.  Not all of them are money-makers, but I can honestly say that they have all had a more positive than negative impact on the world around me.  I’m the only one who has to account for whether or not I’ve been a “good and faithful servant” of this life that I’ve been given and I’m committed to keep trying until I get it right.

Baby Boomers’ Greatest Fear: Loss of Independence.

A full-page newspaper ad for hearing aids, walkers, and safe bathtubs drew my attention the other morning:

“Seniors fear loss of independence more than death.”

My husband & I, still youngsters in our mid to late 50′s.

I agree with that catch phrase, even though the final act of death brings its own fear level centered around how it will occur or whether or not it will be painful.  But the loss of independence creates greater fear in me because of what it could mean:

  • perhaps having to move out of my private residence;
  • having my car keys taken away from me and being reliant on others for all of my transportation needs;
  • being told what to wear, what and when to eat, and when to go to bed;
  • not being able to bathe privately; reliant on someone else to make sure I get the job done right;
  • speaking of which, needing assistance on the toilet OR having an alternate means of evacuating my bowels – ugh!;
  • you name it – anything for which I am reliant, dependent, or beholden to someone else, scares me half to – well – death!

But maybe that’s just me.  Maybe I’m super sensitive to this issue because of my work with vulnerable adults in long-term care facilities.  So I asked friends, family, and others with whom I’m acquainted what stands out as their greatest fear in their Baby Boomer years.  Here is a summary of numerous responses to my query:

  • loss of independence which oftentimes involves chronic illness and/or dementia that drains the household finances;
  • loss of independence resultant from dementia as it seems to be  prevalent in so many families;
  • loss of independence thereby putting the burden of care on my spouse;
  • loss of mobility;
  • flatulence!

I couldn’t resist listing the last response because it made me laugh while contemplating a subject matter that brings little humor to the table.

While taking a walk with a neighbor the other day, he concurred with the above, also adding that if a person had unlimited finances, loss of independence wouldn’t hurt as much: use of your own private driver, 24/7 caregiving in your own home, the best Chef money could buy so you’re not relegated to institutional “cuisine.”  But you know, I’m not so sure that being able to afford all of the above would make me feel less dependent upon others than if I had a standard of living like most everyone else.  Sure, the amenities are better, but the underlying cause for needing those amenities remains the same – the inability to do things for myself.

Now that we’ve all agreed that living an independent life is very precious to us – I know we understand more clearly why our parents or other loved ones fought the aging process every step of the way.  I thought I was very empathetic to my father when he had to surrender his car keys.  But now that I’m a wee bit older than I was at that time, I’m thinking I had no inkling of what my father went through as little by little he lost the independence he had enjoyed for eighty-some years.

But how can we prepare so as to avoid a complete loss of independence?

Well, if you find the magic formula, please let us all know.  As for me and my household, I’m concentrating on the here and now in preparation for the future.  Here’s my contribution:

  • Exercise like your life depends upon it – because it does.  That doesn’t equate to running marathons or riding the Tour de France, rather, it’s participating in a variety of exercise options to which you know you can commit.  What works for you – not what everyone else is doing.
  • Enjoy the food you eat but don’t be addicted to it.  My husband and I have dessert every night and we use butter instead of margarine when we cook.  Those are luxuries that we decided to enjoy while making sure that the rest of our diet is balanced and more healthy than not.
  • Speaking of balanced, we love our wine, so nightly, we enjoy a glass during those post-workday (and post-exercise) moments while we catch up on our respective days.  Oh, and we also enjoy another glass as it goes so wonderfully with dinner, don’t you think?
  • Use your brain in ways that you don’t use it while at work.  There’s still no fool-proof method of preventing Alzheimer’s or other dementia, but you’ll feel better about yourself if you continue to challenge what you know – and what you don’t know.
  • Seek peace amongst the chaos.  In my article, Where do you find peace?, I explore both how to find peace, and how to keep that peace from slipping away.  Rather than repeat what I previously said, I hope you’ll find time to read my “peaceful” article.

Now it’s your turn.  What are you doing to avoid what many of us fear the most?  I know many Baby Boomers would benefit from hearing what you have to say.  We’re all in this together – regardless of how far from each other we live – so let’s work together towards attaining the goal of remaining independent as long as we possibly can.

Dragonfly: a well-lived brief lifetime.

I read in the Seattle Times newspaper recently that a dragonfly, in its nymph stage, lives in the water for up to four years while it is growing & developing.  When it finally emerges from its skin, it only lives a few months.

I know there are other insects who have an even briefer adult life, but this substantial insect caught my attention for one specific reason – although its post-nymph life is brief, it goes for the gusto during its brief time on Planet Earth.

English: Broad-bodied Chaser (a dragonfly) Lib...

(Photo credit: Wikipedia)

It’s believed that dragonflies have existed on Earth for approximately 300 million years – wow! – that’s older than us humans!!!  I guess they’ve had a great deal of time to learn how to make their individual lives count.  As nymphs, growing & developing under water, a special appendage on their head helps them to spear their food – small fish, other insects, yum!  When full grown and ready to emerge, the dragonfly climbs out of the water, sheds its skin, and waits for its wings to dry before getting down to business.

By the time their wings are developed, they are considered full-grown adults and have only a few weeks remaining of their lives.  Their primary goal during this winged stage is mating – so when you see two dragonflies flying through the air attached to one another, it is almost always a male and female mating.  I guess they are able to fly while “distracted” because they can see nearly 360 degrees around themselves at all times – no obstacle will get in the way of these industrious bugs!  And I can’t help but state that they present an entirely new definition of the mile-high club.

But this article isn’t really about dragonflies and their mating-in-flight capabilities.  It’s about how you and I choose to live our lives because in the grand-scheme of things, our life span is just as short as an insect’s, if not – relatively speaking – shorter.

Considering how old the world is, even if we live to be 100, it’s still a drop in the bucket compared to the years that have preceded us, and the infinity that will carry on after us.

I wrote two articles on this Blog site about making the most of our lives – especially as we near retirement.  Retirement Planning – it’s not what you think; and Creating the next chapter of your life explore whether “the rest of our lives” post-retirement will bore us and benefit few; or excite us and benefit many.   This topic interests me greatly because I witnessed first hand what an unplanned retirement can look like.

A few months into my father’s retirement, my mother started to complain about my dad’s inactivity – phew, not fun!  Before long – and in the midst of great boredom on his part – my father got the hint, climbed off his golf cart, and pursued volunteer opportunities with AARP.  You see, he realized within a few months of retirement that he wasn’t satisfied not contributing to the larger community around him.  The long and the short of it is that both my mother and father eventually established a state-wide volunteer program to help the elderly and low-income individuals with their annual tax returns.  My parents recruited other like-minded retirees, put them through training, and by the time of my parents’ real retirement, this tax-aide program had helped more than a million people in the course of 20 years.

But that was them.  That’s what my parents could do and enjoyed doing.  We have to discern what an appealing retirement looks like for us.  I don’t begrudge anyone a relaxing and enjoyable retirement – I’m all for it – but let’s not waste our previous employment skills by putting them on hold as soon as we leave our J-O-B.

My husband surprised me the other day when he stated that he’s already thinking about what he’ll do when he retires – four years hence.  I’m thrilled that he’s already considering his options, and who knows?  Maybe we’ll team up and do something meaningful to both of us, just as my parents did many years ago.

New ad campaign portrays caregivers’ call for help

New ad campaign portrays caregivers’ call for help.

A recent NBC Nightly News story focused on the role of caregiving as adult children take on the parental role vacated by their parents.

Imagine, if you can, handling all that you normally do in your hectic life and adding between 20 to 60 more hours to your workload.   Haven’t arrived at that point yet?  Of this potentiality you can be certain – all signs point to that being in your future.  Whether your involvement is characterized by general care for an aging family member, or specialized care for a family member with cognitive decline, caregiving is most likely a task to which you have not devoted much attention.

It is said that 1,200 people per day are diagnosed with Alzheimer’s or other dementia.  Let’s re-categorize that statistic: 1,200 caregivers are created every day.

The new ad campaign, a joint project between AARP and the Ad Council, was created to address the impact of family caregiving with the graying of the population.  This ad campaign seeks to provide resources for those who are thrust into this role for which they are ill-prepared.

“Although they often don’t identify themselves as ‘caregivers,’ more than 42 million Americans perform some form of consistent care for older or impaired adult relatives or friends, according to a 2009 estimate.  It can range from paying bills, to driving Mom to doctor appointments, to more hands-on care such as bathing, and even tasks once left to nurses such as the care of open wounds.”

Taking a walk with my wonderful Dad in 2007.

And as many of us who have been in that caregiving role can attest, ones’ active role goes on and on when behind-the-scenes caregiving occurs, dealing with finance and insurance issues and the like during  our alleged “free” time; a time when others are settling down to watch their favorite TV show or to read a good book.

This extraordinary AARP/Ad Council project is broader than another effort that is part of the new National Alzheimer’s Plan that can be found on the federal government’s website, www.alzheimers.gov.  But both of these projects address the loneliness inherent with the caregiving task when so many caregivers feel, and become, isolated and adrift in an ocean of frustration and despair.

FINALLY some resources are being directed to the tidal wave of caregiving issues that Baby Boomers face.  It may be too little too late, but it’s more than has been available up to this point.  My hope is that the generation in which our children live will have sufficient resources to deal with us Baby Boomers because if our children think this caregiving task is going to jump their generation, they’ve got another thing coming to them.

And I apologize ahead of time for what awaits you.

Baby Boomer gray divorce – I’m just not gonna take it anymore!

Kind of like the movie “Network” in the iconic scene where the actor Peter Finch, as Howard Beale, says, “I’m as mad as hell and I’m not gonna take this any more!”

Gavel (PSF)

(Photo credit: Wikipedia)

What is often left out from that quote is the statement made just prior, “I’m a human being.  My life has value.”  I think some spouses in their 50′s through their 80′s decide that after decades of a somewhat dissatisfying, or perhaps an abusive, marriage they realize that they have a whole lifetime ahead of them and decide that they deserve better.  In an article from the AARP June 2012 Bulletin, one of the reasons for a late-in-life divorce centers around the fact that longer lives mean more years with an incompatible spouse.   And even though the overall divorce rate in the United States has decreased since 1990, it has doubled for those over age 50.

Jay Lebow, a psychologist at the Family Institute at Northwestern University says, “If late-life divorce were a disease, it would be an epidemic.”

Wow!!!!  I had no idea! I’m fortunate in that my second marriage at the age of 47 is still one in which I am very happy now twelve years later.   There are those, however, with whom I am acquainted who stick to the dictum of “in sickness and in health, until death do us part” even through an abusive relationship (verbal, physical or otherwise)  and, because they’ve been in it for the long haul, e.g., 30 plus years, they feel that they have no choice but to stay.

Why do those with abusive spouses – both male and female – cling to their marriage?

As I mentioned above – one reason is certainly the commitment to vows that were made at the height of a romantic relationship.  And there are other reasons.  An excellent therapist with whom I am acquainted who leads support groups for the abused told me that over the years, as abuse has prevailed in the household, the one being abused adjusts to each added level or intensity of abuse and becomes acclimated to each added degree.  Added to this unwarranted commitment to their abusive spouse, they fear the unknown, even though it may bring about an abuse-free life.   And without the help of good friends and powerful resources, a spouse in an abusive relationship may not have the tools that will give them sufficient confidence to make a decision that will benefit them the remainder of their life.

Divorcing later in life can often result in less time to recover financially, recoup losses, retire debt, and ride the ups and downs of the economy.

Some Baby Boomers out there have relished the security that their spouse or significant other has provided them in the form of financial stability.  They’re thinking that perhaps it’s worth putting up with this person with whom I am incompatible to guarantee a comfortable enough life until one of us dies.  Well – certainly that is a factor – but I personally believe that an individual’s life contains far more value than any bank account can provide.  If someone is feeling devalued in their relationship, they have short-changed the remainder of their life.  And if someone truly craves, absolutely longs for greater self-worth, nothing will stop them from satisfying that need.  I guess you have to look at the options and determine if you’re willing to go with it:

living in a mortgage-free home without financial concerns with someone who tears you down, or renting a one-bedroom apartment with thrift store furnishings, that frees you from a relationship that has prevented you from being your true, and valued self.

But who will take care of me in my old age?

A 2009 National Alliance for Caregiving/AARP survey found that 66% of caregivers were female, with women providing on average 22 hours per week vs. 17 hours for males.  In a divorce situation, “older men may make out better financially than women, but they don’t fare so well at finding someone to take care of them when they’re older.  They often don’t have alternative care networks the way women do,” says Andrew Cherlin, a sociologist at Johns Hopkins University.  When asked who they will turn to when they’re older, single men often cite paid help – a pricey and somewhat difficult option to find.  Some older divorced people have children or other family members who can assume the caregiving role, but not everyone does.

Gray divorce is occurring and there are certainly many factors to consider.  I guess I’m of the belief that a bad marriage is not better than living alone.  Whether you’re a Baby Boomer – or of any other generational group – only you can decide what you’re willing to sacrifice in order to obtain your sense of personal value.  As far as I know, we’ve only been given this one life. This is not a dress rehearsal and there are no do-overs. 

Your thoughts?

Raise the retirement age and cure boredom?

In an earlier article, “Retirement planning – its not what you think,” I talked about the planning required to have a quality of life after retiring from one’s job that relies on spending your time in a way that pleases you, and benefits others.

My closest friend, Sophia (not her real name), is in her 80th year of life and for the seven years that I’ve known her, Sophia has struggled with boredom, but not just boredom per se.  Sophia wants to matter; she wants to make a difference; she wants to contribute to the world around her.  In a recent e-mail to me, Sophia said:

“There are too many active Seniors roaming around the coffee shops and Malls wondering what to do next.  Even my friend Walter, at age 97, felt a sense of accomplishment yesterday when he washed all the bed linens and remade the queen bed – this done using his walker, back and forth.”

English: Golfer teeing off

(Photo credit: Wikipedia)

Sophia epitomizes the bored retiree that I discuss in my article, “Voices of the bored retirees.”  We often think that when we retire we’ll be satisfied with being able to golf whenever we want; sleep in as long as we want; work in the garden whenever we like, and read all the books we’ve stacked up, but not had the time, to read.  My father was one of those retirees who longed for the opportunity to be on the golf course as often as he wanted.  A month post-retirement, he was bored with it all.

Another quote from my friend Sophia: “I really believe that much that we call Alzheimer’s is just a simple lack of interest in remembering what no longer matters.  There is definitely a veiled space that occurs now and then when it is either too painful to remember, or not worth it to try.  This, in addition to physical pain and boredom, can reach a kind of black hole.”

I know my friend very well, so I know that she doesn’t support that type of Alzheimer’s reasoning, but what she said really resonated with me.  Too often we focus too much on what doesn’t matter, and far too little on what can matter greatly in our remaining years.  Gerontologist S. Barkin believes that we have a responsibility to actively walk through our retirement (or Baby Boomer) years:

“What do we want to do for the remaining time in our life?  We all should be mining our experiences and the wisdom therein to help with our present, and our future paths.”

Most of us, even when we’re enjoying the relaxation we so richly deserve in our retirement, truly strive to create a new purpose for our life.  We want a reason to get up in the morning.  We strive to contribute to the community around us.

Does the retirement age need to be raised in order for that to occur?  Or can we be just as effective, and less bored, by cultivating a lasting purpose after we’ve entered the long sought-after retirement phase of our lives?

O.K. BABY BOOMERS OUT THERE:

  • What’s your plan?
  • What’s working – or not working – for you?
  • What’s your cure for boredom?