Yes, we’ve all heard the advice about keeping your medical records handy and up-to-date. I know this becomes an increasingly important thing to do as my husband and I age and are often afflicted with new ailments and have to see new doctors. I try to do this as well as I can, but it’s tedious and time-consuming and I’m sure there are errors in my records, as well as more than a few gaps.
I have a way to solve this problem.
It wasn’t all that long ago that many people considered the TV ads pitching reverse mortgages to be just a scam against senior citizens and that actually getting a reverse mortgage was a very foolish move. But many protections have been put in place in recent years and, as a result, a better understanding has evolved on the ways in which a reverse mortgage might genuinely make sense as a way to supplement retirement income. The keyword here is “might.”
You forgot to send your daughter-in-law a card for her birthday last week. You can never remember where you left the car keys. You’re watching the rerun of a TV show you know you saw before but you can’t remember who did the murder. Someone in your book group mentions a book you all read three months ago and you’re drawing a blank on the title.
We all go through this and much, perhaps most, of it is perfectly normal. We laugh and call them “senior moments,” acknowledging that an aging brain brings its vexations. Yes, it can be very annoying to not have the right information pop up just when we need it, even though it is part of human nature – at all ages – to forget things from time to time. But for many of us, perhaps too many of us, our forgetfulness has become seriously worrisome. Is it the first sign of real dementia?
Before retirement, it is not unusual to think how great it will be to not have to get up every day for work, to have a lot more free time, and to have opportunities to really relax and enjoy life. You may dream about living in a warmer climate or in a smaller house that doesn’t need as much cleaning and maintenance. You may be looking forward to a lot of travel that you’ve never had the time to do or to spending more time with your grandchildren. It is time to have fun! Unfortunately, the reality of retirement doesn’t always work out this way.
You may have sufficient financial resources to live comfortably after you stop working, but it is important to also think about all of your other needs to create a satisfying life. It doesn’t happen automatically or all by itself.
There are some pitfalls to avoid.
I'm Linda Fleit. My husband and I were lucky enough to retire when we were 61, about nine years ago. We love being retired and want to share all that we've learned over the years about this wonderful stage of life.