Divorce Experts

Why the retirement plan that worked for your parents is failing millions of Canadians

Last month, I found a jar of mustard at the back of my fridge with a best-before date of 2019. It looked and smelled fine. My wife watched me unscrew the lid like I was about to eat gas-station sushi, and I threw the mustard away. I wish Canadians gave their retirement plans the same hard look, because most of the advice we hand people over 55 carries a best-before date of 1990, the year my parents' retirement began. They met at the grocery chain where they both worked, and each left with a defined-benefit pension: a monthly cheque that arrived for the rest of their lives, regardless of what the stock market did. Their employer bore the investment risk. Their job was to show up at the retirement party and eat the cake. That plan stood on three legs: a workplace pension, CPP and Old Age Security, and a paid-off house you would eventually sell to trade down. In 1991, a 65-year-old Canadian man could expect to live about 16 more years and a woman about 20. A plan built for that stretch did its job. Look at those legs today. Only 37.7 per cent of paid workers in Canada belonged to a workplace pension plan of any kind in 2023, according to Statistics Canada, and coverage has been declining for two decades. For most people, the cheque that used to arrive like the newspaper has been replaced by a statement that reads like a horoscope. CPP and OAS were never meant to carry anyone alone. That leaves the house. A 2023 CPP Investments survey found that only 45 per cent of Canadians have a financial plan for retirement, yet about three in four Canadians aged 55 to 74 own their homes. For millions of families, the house was the plan: buy it, pay it off, and burn the mortgage papers in a roasting pan. The old playbook still has one instruction for that asset, unchanged since 1990: sell, move, and hope the condo is cheaper. Most like to stay in their neighbourhood. In Toronto, they usually can't afford to. The calendar changed, too. My parents' plan was built for that 15-to-20-year stretch. Today, Canadian financial planning standards give a 65-year-old couple an even chance of one living to 94, a retirement closer to 30 years. That is about 10 extra years of groceries, property tax and dental work, and nobody gave the plan a raise to cover them. Larry Fink, who runs BlackRock, put his finger on it in his 2024 letter to investors: we have worked hard to help people live longer and much less hard to help them afford those extra years. Those years arrived just as the guaranteed pension cheque was disappearing, a change Fink called "a shift from financial certainty to financial uncertainty." When the man in charge of the world's largest pile of other people's money says so, I'd put down the mustard. Our system does a fine job of helping people pile up money, then goes quiet the moment they need that pile to become a paycheque. We hand people a savings target, a risk questionnaire and an RRSP deadline. On their last day of work, we hand them a bouquet. How much do you withdraw? Which account first? What happens to your OAS when your RRIF minimum pushes you past the clawback threshold? Where does the house fit? The old plan shrugs. The strain shows. Statistics Canada reports that among Canadians aged 65 to 74 who worked in 2022, almost half did so out of necessity. After a late-life divorce, my mother returned to part-time work at a grocery store. She had done everything the old plan asked of her. The usual reply is that people just need to save more. Telling a 72-year-old to save more is like telling a marathoner at kilometre 40 to train harder. An up-to-date plan opens with the question that matters at 65: how will this money cover the bills for 30 years? Home equity goes on the balance sheet at the first meeting, pulled from the drawer marked "emergencies and inheritance." Ninety-one per cent of Canadians say they want to live independently in their own homes for as long as possible, so a good plan offers ways to do that beyond a For Sale sign. And the industry that spent 40 years teaching people to save owes them the same energy in how to spend it. I have a modest proposal for the banks. Every February, you run RRSP season, complete with sailboat commercials. Give us an RRIF season to match, with the same budget, and put a drawdown plan in front of every client who turns 65. And while you are at it, switch the word "savings" to "spending" or "paycheque" on our bank account. Take your retirement plan out of the back of the fridge and check the date on the lid. If it says 1990, you know where it goes. My wife will be happy to show you the garbage. This Opinion Article was published in the Business Section of the Saturday Star and online Toronto Star on October 17, 2026, 

When Two Retirements Collide

All this talk lately about Trump and Carney squaring off has made me reflect on matters closer to home. My living room has never quite reached the level of a televised leaders’ debate, but retirement has a way of turning minor domestic disagreements into full parliamentary sessions. And unlike politicians, you can’t call a recess and fly to Florida. For years, we’ve been sold a lovely picture of retirement. The alarm clock disappears. The kids have finally stopped treating your house like a storage locker. There are leisurely breakfasts, travel, golf, grandchildren, and coffee on the patio on a Tuesday morning simply because you can. And there is your spouse. Every. Single. Day. For many couples, this is wonderful. Even in the happiest relationships, though, somewhere around the third consecutive Tuesday morning together, a thought may quietly surface: Have you always chewed like that? We spend years trying to figure out whether we have enough money to retire. We calculate pensions, RRSPs, CPP, home equity, and how long our savings might last. We consult financial planners and make budgets. Some of us even build colour-coded spreadsheets, which I think is taking things a little far (just saying). Far fewer couples spend time figuring out how they will retire together, and that’s a different calculation altogether. Two Retirement Plans before One During our working years, most couples have something that retirement quietly removes: separation. You go to work. I go to work. You have your colleagues, routines, frustrations, and responsibilities, and I have mine. We leave each other in the morning, collect a day’s worth of stories, and come home with something to talk about. Retirement can fold two fairly independent lives into the same house and the same calendar, usually by the first Monday. Research backs this up. A German study of 2,117 couples, drawing on more than 30 years of national survey data, found that on average both partners grew more satisfied with life around retirement. The changes were also highly correlated within couples, so when one partner’s satisfaction slipped, the other’s tended to slip right along with it (Weber et al., 2021). Your retirement becomes my retirement, whether I applied for the position or not. Then come the expectations. One person has been dreaming of travelling for 20 years. The other would happily never set foot in an airport again. One wants to move, and one wants to stay. One wants to golf four days a week. The other thought retirement meant finally doing things together. One wants to help the kids financially. The other believes the kids are 43 and it may be time they gave adulthood a whirl. Even the timing can cause friction. One of you retires in June, the other has three years left before the pension kicks in, and suddenly someone is home all day reorganizing the spice drawer. Research on how couples make retirement decisions suggests that the way the call gets made, and whether both people feel they had a say, shapes how satisfied they are with retirement afterward (Szinovacz & Davey, 2005). The relationship you bring into retirement also comes along for the ride. Old patterns of closeness and conflict travel with you like carry-on luggage, and retirement simply changes the scenery around them (Davey & Szinovacz, 2004). That makes me wonder whether every couple needs two retirement plans before they have one. What does your retirement look like? What does mine look like? Where do they overlap? Those questions may matter more than whether we can afford the Viking cruise. And Then There’s Money Of course there is. Money has always had an extraordinary ability to walk into a perfectly pleasant conversation and leave with a baseball bat. In retirement it gets even more emotionally charged, because our financial psychology shifts. During our working years, another paycheque is always coming. In retirement, many of us start drawing down assets we spent decades building, which can feel completely sensible to one spouse and mildly terrifying to the other. This is where FORO, Fear of Running Out, can pull up a chair at breakfast. One partner sees $800,000 as security. The other sees the same $800,000 as a number that can only get smaller. Suddenly a $12,000 trip to Italy is carrying a lot of luggage: safety, control, mortality, and whether 93-year-old you might someday need that money. Then health can change the equation again. A spouse gets sick. Mobility changes. One person becomes a caregiver, and independence starts to slip away. Retirement plans that once looked beautifully aligned suddenly don’t, and that is a lot of change for any relationship to absorb. Apparently, Fighting Isn’t Necessarily Bad Three very different thinkers have helped me rethink the whole subject: an ancient Chinese general, a modern conflict facilitator, and a psychologist with a lab full of arguing couples. Sun Tzu’s The Art of War is about military strategy, yet one of its most enduring ideas travels surprisingly well into marriage: understand the situation, understand the other person, and don’t waste resources on battles that don’t need to be fought. Priya Parker comes at conflict from almost the opposite direction in her new book, The Art of Fighting (2026). Her work explores how conflict can strengthen relationships when people engage with it well. She calls this idea “healthy heat.” Some difficult conversations need enough heat to burn through to what actually matters. Then there is psychologist John Gottman, who studied couples over time and found something I love: happy couples don’t all fight the same way (Gottman, 1993). His research identified three stable types. Validators calmly talk their disagreements through. Avoiders would much prefer to change the subject. Volatile couples argue loudly and passionately and keep their marriages intact anyway. The couples headed for trouble were the hostile ones, along with the ones who had quietly checked out. So you and I don’t have to argue like the nice couple down the street. They look exhausted and bored, to be frank. What seems to matter is whether we can disagree and still hold on to respect, affection, and the sense that we are on the same side. That calls for something to sit beside the retirement financial plan. The Retirement Rules of Engagement 1. Figure out what you’re really fighting about. Before digging in your heels, ask why this matters so much to each of you. The argument about selling the house may really be about losing independence. A fight over spending can be tangled up with FORO. Too much golf might be about purpose for one person and loneliness for the other. And the argument about money may have very little to do with the actual numbers. Once the real issue is on the table, at least you’re having the right argument. 2. Choose your battles. Sun Tzu would make an excellent retirement consultant. Some things matter enormously, and others really don’t. If your spouse has loaded the dishwasher incorrectly for 37 years and everyone is still alive, victory may no longer be strategically important. 3. Keep the heat healthy. Disagreement has a place in a strong relationship. Parker’s idea of healthy heat gives us permission to have uncomfortable conversations without treating the discomfort as proof that the relationship is in trouble. Say the difficult thing. Ask the awkward question. Then stay curious about the answer. 4. Remember who is sitting across from you. This is the person you chose to build a life with. Opposing counsel bills by the hour. Gottman’s research is especially useful here, because hostility and emotional disengagement are the real warning signs. Anger passes. Contempt has a nasty habit of moving into the spare room. 5. Build some mine, yours, and ours. Two people don’t need to become one organism to have a good retirement. Separate interests, friendships, and activities give each partner purpose and independence, plus fresh material for dinner conversation. Then build the shared things on purpose too: travel, grandchildren, exercise, volunteering, cottage time, date nights, or whatever makes retirement feel like ours. A little absence can still make the heart grow fonder. 6. Know when you’re stuck. If you keep having the same argument, if conversations regularly turn hostile or contemptuous, or if one of you has simply stopped engaging, outside help may be worth it. A couples therapist can untangle relationship patterns. A financial planner can put real numbers around money fears. A retirement coach can help when identity and purpose are causing friction. Sometimes the most useful person at the kitchen table is the third one. What About Grey Divorce? Grey divorce is worth a few minutes here, because ending a marriage later in life is especially hard to recover from financially, and it ripples through the whole family, right down to the grandchildren who now spend Christmas in two places. The Canadian story, however, is less dramatic than the headlines suggest, partly because so many of those headlines are American. In the United States, adults 50 and older made up 8% of all divorces in 1990 and nearly 40% in the latest figures, and their divorce rate doubled between 1990 and 2010 before levelling off (Westrick-Payne & Brown, 2024). Canada never had that boom. Statistics Canada reports that the divorce rate among Canadians aged 50 and older rose 26% between 1991 and 2006, from 4.2 to 5.3 divorces per 1,000 married people, and has since remained relatively stable (Statistics Canada, 2022). Grey divorce remains considerably less common here than divorce among younger adults, so if you’ve read that it has doubled, you were reading about Americans. Still, divorce at 65 is financially different from divorce at 35. There are fewer working years to rebuild. One household becomes two. Housing, retirement income, pensions, estate plans, and family relationships can all take a hit, and women tend to feel it most. A Statistics Canada study that tracked Canadians from their mid-50s into their 70s found that divorced women kept about 70% of their family income, compared with about 87% for women who stayed married (Mehdi, 2023). The study concluded that divorce lowers living standards in retirement more than the death of a spouse does. Till Death Do Us Part Is Longer Than It Used to Be A couple retiring in their 60s could easily have another 20 or 30 years together. That’s an extraordinary gift. It’s also a very long time to argue over the thermostat. Our health will change, our finances may shift, and our interests will wander off in directions neither of us saw coming. The people we were when we walked away from our careers won’t necessarily be the people we are at 75, 80, or 90, so our relationships need room to grow with us. So pick the battles worth fighting, bring a little healthy heat to the ones that matter, and concede the rest, especially the dishwasher. Thirty years of retirement works out to more than 1,500 Tuesdays together. It would be a shame to spend them arguing about the forks. Don’t retire. ReWire. Sue P.S. Retiring solo? Don’t get too comfortable. Many of the same issues show up with adult children, friends, and family, along with everyone’s sudden assumption that you now have all kinds of free time. I’ll tackle that one in two weeks. My Book is Available for Order: I hope you will consider ordering a copy of Your Retirement Reset for yourself, a friend, or someone you love. Published by ECW Press and is available through Indigo or Amazon and McNally Robinson. If you like supporting Canadian booksellers, check with your local independent bookstore too. Most can order it.

Peri-Retirement, Divorce Dust, and the Investment Hiding in Your Backyard

My friend from the gym has a recurring nightmare, not the usual one about showing up to spin class without pants. In hers, she is sixty-eight, broke, standing on her parents' porch with a suitcase, ringing the doorbell of the house she grew up in, hoping they still remember her. In the dream, her parents are somehow both alive and completely unbothered, as though this is a perfectly ordinary Tuesday. She wakes up in a sweat every time. She has told me about this dream more than once, usually mid-hill climb, which is not when I do my best financial counselling. For her, it is not a silly dream, it is the shape of her deepest fear, failure. Not being able to afford her own retirement feels like proof that she did something fundamentally wrong. Father Time does not send polite reminders. He taps his watch, and her subconscious taps back. A few months ago when she started making progress on the construction of the laneway house in her backyard, I expected her to feel lighter. Instead, she cornered me by the water fountain, looking as if she had personally lost a boxing match. "I should be in my accumulation years," she said, "and instead I am pouring every spare dollar into a construction site." She said the word construction the way other people say audit. Here is what I told her: she had this exactly backwards. This is peri-retirement, a phase I coined to describe the stretch that can hit anywhere between forty-five and sixty. It is the point when most of the accumulating happens, and savings should be well underway. The kids are at school. Retirement is coming whether you are ready or not, and peri-retirement is the stage when that fact finally gets your attention. It deserves its own post, coming soon. For today, back to my friend and her Home Equity Line of Credit (HELOC). Spending feels like money disappearing. Investing is money that goes somewhere. When you spend money, it is gone in a way you can feel immediately: dinner is bought, eaten, and now there is only a receipt. When you invest money, the dollars leave your hand but do not vanish. They convert into something: a stock certificate, a retirement account, or, in my friend's case, a fully legal, income-producing rental unit thirty feet behind her kitchen. The trouble is that every invoice looks the same, whether you are buying a vacation or a foundation. Her brain filed the whole project under "money disappearing," no matter how many times I explained that a rental suite generates a cheque every month for the rest of her life. What made this harder to accept was her HELOC. She had spent years throwing every spare dollar at her mortgage so she could stand at her front door and say "paid" out loud to nobody in particular. Now she watched a home equity line of credit climb back up to pay for two-by-fours and a very opinionated contractor, as if undoing decades of discipline in one renovation season. But debt taken on to build an income-producing asset is a different animal from debt taken on to buy a car that loses value the moment you drive it off the lot. The couch is delivered, comfortable, and will never write you a cheque. An investment costs money up front and, if structured well, pays you back for years. A laneway suite is not a couch. It is a very slow, very stubborn vending machine that eventually hands you rent instead of snacks. Numbers make this less abstract. A laneway or garden suite in a city like Toronto typically costs three hundred and fifty thousand to six hundred thousand dollars plus to build.  The rent can range from two thousand to four thousand dollars a month. After property tax, insurance, and maintenance take their cut, most homeowners break even in ten to fifteen-ish years, still slow compared with a twenty-five-year mortgage, but faster than it sounds. After that, it is simply income, for as long as you own the property. What exactly is an ADU? An Accessory Dwelling Unit, or ADU, is a separate, fully equipped living space on the same lot as your main house, giving its occupant their own front door, kitchen, and, mercifully, their own bathroom. The basement apartment is the classic workhorse of the category and the more accessible option: no backyard or laneway access needed, and usually a smaller cheque, making it the realistic starting point for most homeowners before they ever consider the trendier laneway or garden suite. The rules vary by city. Vancouver has allowed laneway houses, once called coach houses, for years, with a permitting framework it has published. Toronto came later, introducing Laneway Suites in 2018 and Garden Suites in 2022, with its own permit process outlined here. My friend started her project after hearing some version of "build it and they will come," hoping to eventually have her mother move in or to have a space ready for her own child. A laneway suite can also become a studio for a retirement passion project, or even the retirement plan itself, with the homeowner moving into the smaller suite and renting out the main house, a modern spin on downsizing, as one Toronto homeowner described in a piece worth reading. Using rental income to fund retirement is not new. Landlords have long understood this math. What is new is that many homeowners in their fifties are realizing their house is their largest asset and possibly the centrepiece of their retirement plan. Now for the part nobody puts in the glossy brochure. Building an ADU is stressful in a way that is hard to explain to someone who has not lived through a renovation. Contractors have a nickname for the fine grey powder that coats every surface in a house under construction. They call it divorce dust. I did not make that up, and I did not need to ask why. My gym friend has had the full tour: Committee of Adjustment (COA) hearings, legal agreements between neighbours causing permit delays, a contractor who went MIA with her down payment, the other contractor who went MIA for 3 weeks and a neighbour, silent about the fence for eleven years, who suddenly developed passionate opinions about sightlines the moment scaffolding went up. Building one is still worth doing. It just means staying vigilant after the ribbon cutting, too. A rental unit does not run itself: there is vacancy to plan for, tenant relationships to manage, insurance to update, since a standard homeowner policy will not cover a rental suite, and rental income to declare at tax time. It is genuinely not for everyone. But with the resilience to weather the dust and the landlord duties that follow, the payoff is a long-term, appreciating asset that can steadily fund a big piece of your retirement. Governments have finally noticed. Different levels of government are working to make these suites easier to build, with mixed follow-through. In 2024, the federal government announced an expansion of the Canada Secondary Suite Loan Program, offering up to eighty thousand dollars at two percent interest over fifteen years, though it never launch. Some municipalities like County of Simcoe, have launched their own Secondary Suites Program. Other programs currently in place, Homeowners can refinance an insured mortgage to cover a secondary suite, up to ninety percent of the post-renovation value. A Multigenerational Home Renovation Tax Credit for a suite built for an elderly or disabled family member.  Recently there was a quiet launch of a GST and HST rebate eligibility for laneway and garden suites starting construction between April 1, 2026, and March 31, 2027. This is a step in the right direction, but needs more clarity and longer timeframe. It is estimated that Toronto alone has around twelve hundred active permits for these suites, with roughly five hundred completed (Source). If curiosity is winning out over fear, skip the contractor for now. Call your city's planning department to find out what your lot allows, then speak with a mortgage broker or accountant about how a HELOC or refinance fits your finances. Ten minutes on the phone beats an afternoon scrolling through laneway house photos. Back to the nightmare. My gym friend is going to be fine. Better than fine, actually. She already sees the win for her family: the parent who gets to stay close or the tenant who covers a meaningful chunk of her expenses. What she needed was permission to stop grading her HELOC statement like a report card and to start seeing it as the price of admission to a retirement plan that pays her back for decades. I keep thinking about that dream, the suitcase, the porch, and her bewildered parents opening the door. Here is the twist she has not clocked yet. In the upcoming year, when the suite is finished, occupied by her mom or rented, and quietly depositing a cheque into her account every month, she will have built the one thing that makes that nightmare impossible. She will not be the one showing up on a porch with a suitcase. She will be the one handing someone else the keys and locking her own front door behind her without a second thought. Don't Retire...ReWire! Sue My Book is Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for yourself, a friend, or someone you love. It arrives September 29, 2026, published by ECW Press, and is already available through Indigo or Amazon. If you like supporting Canadian booksellers, check with your local independent bookstore too. Most can order it in without any trouble. Important: This article is general information and commentary only and does not constitute financial, mortgage, tax, legal, or investment advice. Before making decisions about your retirement or home equity, consult qualified, licensed professionals who can assess your personal circumstances.

UD English professors reveal 2026 beach reads, tying summer picks to big themes in today’s culture

When summer rolls around, the best beach reads do more than just pass the time—they somehow capture what everyone’s talking about right now. That’s the vibe behind University of Delaware’s professor-picked list: books that are fun to sink into, but also surprisingly sharp about the world we’re living in. Think big feelings, messy relationships, culture shifts, and the kind of stories that make you look up from the page and go, “Yep, that tracks.” "There Is No Antimemetics Division" By qntm A Reddit novel turned print bestseller, "There Is No Antimemetics Division" is a surreal horror story that follows an X-Fileish government division fighting aliens whose battlefield is the human mind. How do you fight an enemy whose existence you cannot remember? – Siobhan Carroll, Associate Professor "The Briar Club" By Kate Quinn I'm a big fan of Kate Quinn. Her books never disappoint. Her writing is wonderful and captivating, and the voices and characters are authentic. This book, set in the 50s, is a post-war reflection on a group of tenants in a boarding house who, over food (recipes included!), become friends and navigate McCarthyism, conspiracies and fear. It is historical fiction written to remind us that history repeats itself. – Christine Cucciarre, Professor "Guido Brunetti mysteries" By Donna Leon I've gotten completely hooked on these mysteries set in Venice. Fans will tell you the best is the fifth book in the series, "Acqua Alta," but be sure you read the first book to meet the characters! – Emily S. Davis, Director of Graduate Studies "When We Cease to Understand the World" By Benjamin Labatut An English professor recommending a book detailing the lives of physicists, scientists and mathematicians? Yes! History, heady concepts, madness, melancholy and beautiful prose come together in a haunting way. – Viet Dinh, Associate Professor "Dungeon Crawler Carl series" By Matt Dinniman What if you smushed role-playing video games/tabletop games with The Running Man? Plus, there's a sassy cat who talks! – Lowell Duckert, Associate Professor "Just Kids" By Patti Smith I've recently read "M Train" by Patti Smith, and now I'm looking forward to reading the book for which she won the National Book Award. Smith's memoirs can be impressionistic, but they often come down to some unexpected detail or some ongoing longing. If you know her music, you can sometimes hear it in the background, or you can spot those moments in her life when music would almost necessarily emerge as a great force gathered by her authentic approach to life. She's one of those writers who can change how you look for and find what most matters to you, how you look for and embrace your own soul. – John Ernest, Chair in English "Prairie Fires: The American Dreams of Laura Ingalls Wilder" By Caroline Fraser I loved reading the "Little House" books as a child. It seemed like a life full of adventure and love, even through "The Long Winter." But this biography of author Laura Ingalls Wilder reveals a life full of struggle and loss behind the calico dresses and the fiddle lullabies. Caroline Fraser won the 2018 Pulitzer Prize for "Prairie Fires," using unpublished manuscripts, letters, diaries, and land and financial records to pull back the pioneer spirit curtain and show readers the reality of life on the prairie. – Dawn Fallik, Associate Professor "The School for Good Mothers" By Jessamine Chan Warning: Do not bring this book to the beach without plenty of sun screen, because you will not put it down and that might make YOU a candidate for enrollment in The School. Second Warning: The book is compelling precisely because it will make you mad and freak you out. My wife gave it to friends as a Mother's Day present, and every mother who read it could relate. – Peter X Feng, Associate Professor "Audition" By Katie Kitamura This book has been on my bedside table for months now, just waiting for the semester to end. I am a sucker for books that shift perspective in the middle (see also: Susan Choi's "Trust Exercise"). – Peter X Feng, Associate Professor "The Road to Tender Hearts" By Annie Hartnett You might not expect a book that features domestic violence, children being orphaned and a 63-year-old man still pathetically dependent on his ex-wife to be funny. But I laughed out loud multiple times—and had some tears as well—as I read this novel! Follow the adventures of PJ, two children from his town, and a death-predicting cat as they road trip across the country. "The Road to Tender Hearts" was the best book I read all year! – Jill Flynn, Professor "The Stories of John Cheever" By John Cheever One of the finest collections of short fiction ever published. Witty, magical, often devastating portraits of people navigating mid-century New York. – McKay Jenkins, Cornelius Tilghman Professor of English "Vacationland: True Stories from Painful Beaches" By John Hodgman This book is a collection of nonfiction essays by John Hodgman (Daily Show writer and "Judge John Hodgman" podcast and The NY Times Magazine column). It is laugh-out-loud funny in a very self-deprecating, Gen X way. – Matthew Kinservik, Professor "Cloud Cuckoo Land" By Anthony Doerr This is one of the best novels I've ever read. Ever. It follows three stories set in very different times and places (15th-century Constantinople, 21st-century Idaho, and the not-too-distant future on a spacecraft headed to a new planet that will support human habitation). It's a book about the value of books and human storytelling. The stories eventually get braided together in moving and surprising ways. Amazing. – Matthew Kinservik, Professor "The Wilderness" By Angela Flournoy Have you wondered how your friendships in your early 20s might follow you into middle age? "The Wilderness" focuses on the friendships between four women: Desiree, Monique, Nakia and January from 2008 until 2027, when they are in their early 40s. They support one another through marriage, divorce, career anxiety, loss and a persistent set of questions about who they each want to be in the world and the lives they want to live. "The Wilderness" is told from many perspectives and details how culture, place, habits, friendships and childhood experiences combine to make and remake our adult lives. – Davy Knittle, Assistant Professor "Kin" By Tayari Jones "Kin" is about two motherless girls from Louisiana who find themselves as grown women on two very different paths, looking to other mother figures along the way. The writing is beautiful and engaging! I could not put this book down. I truly fell in love with all of the characters, and even the locations come alive. – Meg McGuire, Associate Director of First-Year Writing "How to Solve Your Own Murder" By Kristen Perrin This truly is a cozy mystery about a woman called Frances Adams—a resident of the moody Castle Knoll. When Frances is a teenager, she encounters a fortune teller who portends Frances's murder. Frances then spends most of her life sort of obsessively surveilling everyone around her, trying to figure out who will kill her. When she does die, her great niece Annie is surprised to learn that the late Frances has left Annie her entire estate, even though they have never actually met. When Annie arrives in Castle Knoll and at the estate, she follows in her great aunt's footsteps by holding all of the town's quirky characters at arm's length while she tries to discover who killed her late great aunt. This is an easy-breezy read, even if it does include a murder mystery at the center. Perfect for a day at the beach. Best of all, if you fall in love with the characters and the place, it's part of a series of three books, so you can keep going! – Cathryn Molloy, Professor "The Order of Time" By Carlo Rovelli You could read any Rovelli book, really—I am reading the one on the birth of science at the moment— but this is the one that drew me in. He merges a physics/science‒centered approach to time with a human/experienced‒centered view of it, which I just cannot get enough of. It is beautifully written, at times verging on poetic, while also bringing in a lot of the information and knowledge I seem to have skipped over as a terrible science student. It's joyful and intense and meditative. And yes, this is what I read for fun! – Amish Trivedi, Assistant Professor "The Season of Styx Malone" By Kekla Magoon Two young Black boys in small-town Indiana fall under the spell of Styx Malone, a mysterious new kid who arrives for the summer and stirs things up by persuading them to pursue their biggest dreams and breaking a few rules along the way. I collect multicultural kids books and stumbled across this one six years ago. It captured me because it celebrates family and friendship, depicts young people with rich interior lives, and mixes in a little mystery and humor. There's something sweet and down-home about it. It's a refreshing little respite from, well, everything ... – Délice Williams, Associate Professor To speak to the professors more about what makes these books the perfect summer reads, email mediarelations@udel.edu.

Exploring everyday finance, gender, and the future of pensions

Money in everyday life For Dr Hayley James, finance isn’t just numbers on a balance sheet - it’s woven into the realities of everyday life. From saving and borrowing to the challenge of long-term pension planning, her work at Aston University’s Centre for Personal Financial Wellbeing (CPFW) explores how financial decisions are shaped by family, gender, life stage, and stability of income. Her research stems from her PhD, which examined how people make decisions after being automatically enrolled into workplace pensions - a starting point that sparked her continuing focus on pensions and everyday financial behaviour. “Finance is often portrayed as objective, but in reality, our money decisions are tied up with all the other meaningful factors in our lives.” – Hayley James At CPFW, Dr. James and her colleagues have observed a shift in policy and industry thinking. Where once the focus was on pushing people to act in “rational” financial ways, attention is now turning to redesigning systems that reflect how people actually manage money. Gender and the pension gap A key focus of Dr. James’ research has been pensions, particularly how gender and life events shape saving habits. She has found that parenthood has very different impacts on men and women’s retirement planning: Motherhood often discourages pension saving - reducing both capacity and perceived importance. Fatherhood often encourages saving - reinforcing traditional financial roles. While many assume household specialisation balances out, reality shows otherwise: separation or divorce often leaves women financially disadvantaged. These insights underpin her book Pension Saving in a Gendered Lifecourse (2025), which argues for pension systems that move beyond gender neutral models to become gender friendly - systems that acknowledge the very different realities men and women face across their life course. Tracking real lives: the “Real Accounts” project Beyond pensions, Dr James has led research into how people actually manage day-to-day finances. In the Real Accounts project, she and colleagues followed UK households for 10 months, recording income and spending in real time. The findings reveal how income volatility — sudden drops, irregular hours, unexpected bills — creates stress and undermines financial stability. These insights are helping policymakers and providers rethink how products like pensions, credit, and debt advice are designed. Collaboration and impact Dr. James’ work bridges academia, policy, and practice. Partnerships include: Nest Insight – public-benefit research centre, co-leads on Real Accounts. Glasgow Caledonian University – joint research on household finances. Christians Against Poverty – literature review on measuring the impact of debt advice, aimed at improving frontline support for the most vulnerable. Through these collaborations, her findings are already shaping practical change in how organisations design support for households under financial strain. Looking ahead With her British Academy Innovation Fellowship concluding, Dr. James is turning to new questions: How do diverse households — across sexuality, ability, ethnicity, and household structure — navigate finance? How can financial systems evolve to reflect real lives, not abstract models? Her book sets out a roadmap for rethinking pensions through a gendered lens — offering policymakers, providers, and households a new way to understand and prepare for later life. Selected publications For readers who want to explore her research in more depth, here are a few recent publications: • James, H. (2022). Everyday finance and the politics of financial subjectivity. Review of International Political Economy. • James, H. (2022). Financial wellbeing and the lived experience of income volatility. New Political Economy. • James, H. (2023). Household finance and the gendered lifecourse: Reframing pensions research. In Handbook on Everyday Finance (Edward Elgar). Available via RePEc. ⸻ About Dr. Hayley James Dr. Hayley James is a Senior Research Fellow at Aston University’s Centre for Personal Financial Wellbeing. Her research spans pensions, household finance, and the social context of money. She has published widely and works closely with policy and community partners to translate research into action. To explore more of the Centre’s work and access project reports, visit the CPFW Projects page at Aston University. Connect with Hayley by clicking the profile icon below.

Navigating Grief During the Holiday Season

The holiday season is a time of joy, togetherness and celebration, but for many – especially those who are grieving the death of a loved one or a deep loss – it can bring a complex mix of emotions, ranging from sadness and sorrow to gratitude and joy. Baylor University professors Candi Cann, Ph.D., a death scholar and associate professor of religion in the Honors College, and Jo-Ann Tsang, Ph.D., a leading gratitude researcher and associate professor of psychology, offer four strategies for people experiencing difficult emotions and grief during the holidays. Embrace the spectrum of emotions Both Tsang and Cann say the key to maintaining balance and authenticity – even while deep in grief – is understanding and accepting where you are emotionally. “It’s possible and normal to feel different emotions at one time,” Tsang said. “You can feel happiness during the holidays, but also sad that you miss someone who you wish were present. Being grateful does not rule out feeling other emotions; we can cultivate gratitude, but that does not necessitate running away from other emotions.” Cann pointed out that grief can be complicated if the death or loss is from a difficult relationship. “It is okay to feel relief in addition to grief and it is important to validate all of your feelings – it’s a complicated grief because it was a complicated relationship,” Cann said. The importance of self-care Self-care is vital during this time, Cann said. She encourages grieving people to stay active, eat healthy, go outside to be in nature and get enough sleep. “It’s totally normal to need more sleep when you're depressed and grieving. You just have to be gracious with yourself about that,” Cann said. Allowing ourselves to feel emotions like stress, sadness or grief gives us insight into what we value and “can motivate us to take some time for self-care,” Tsang said. Acknowledging that we are stressed might lead us to reach out to others for help with tasks that overwhelm us or to let go of things to reduce stress. In addition to taking care of your physical health, staying engaged in your community or church and being in community with others is beneficial for mental health, Cann said. But at the same time, be honest with yourself about what you want to do and only accept invitations or participate in activities that you feel you can handle, she added. The place of gratitude Tsang suggests approaching challenging emotions with gratitude as it “might also provide context and perspective for our loss and potentially transform our negative emotions.” “As an example, I might feel frustrated that I am sad but then feel grateful that I have good family and neighbors to check on me and coworkers to help me finish the tasks that I can’t do while I’m down,” Tsang said. “This gratitude might help reduce my frustration by helping me see the support that is present in my life, on which I had not previously reflected.” At the same time, she reiterated that, in addition to cultivating gratitude, it’s important for people to permit themselves to experience negative emotions such as grief and sadness in response to life circumstances. “It’s okay if it’s hard to experience gratitude. God meets us where we are,” Tsang said. Evaluate traditions and embrace memories Cann suggests evaluating family traditions, choosing those that are most important to continue and starting new traditions that include their loved one. “A lot of people feel like when that person is gone, the love is gone too, but the love is still there,” Cann said. “You wouldn't feel the grief or the big hole that you now have if you didn't have all of this love in the first place.” She suggests embracing their loved one’s presence by including a place at the table for Christmas dinner, making their favorite recipe or finding other ways to continue the bonds. By doing these things, “you're including them in your conversation, and you're making space for that person, both literally and symbolically,” Cann said. Supporting someone who is grieving Being supportive of someone grieving requires patience and vulnerability. “Engage with the person and ask how you can best support them, and let them know that you are thinking about them during this time,” Cann said. Sometimes, friends or family members don’t want to bring up death during the holidays because they don't want to make people sad at a joyful time. “But the point is, they already are sad, so bringing it up allows them to express it” and feel accepted in their pain, Cann said. It also is important to remember that not all grief is related to death. There are many types of loss that people experience such as divorce or disease. The Baylor researchers note that we can’t decide or predict what defines another person's grief, but we can offer love and support. Approaching the holidays when experiencing grief over a death or a deep loss may be painful at first, but using these strategies can help us face the future by celebrating with gratitude what we had in the past. Ultimately, the holidays are a time for reflection, connection and self-compassion. Allow yourself to feel your emotions fully – whether joyful, challenging or a mix of both – and use them as guides for meaningful action. Looking to know more or arrange an interview? Simply click on the expert's icon below or contact: Shelby Cefaratti-Bertin today.

Retirement: For Better, For Worse, and for Much More Time Together

Retirement is supposed to be your golden reward—freedom from alarm clocks, endless Zoom meetings, and performance reviews. But no one warned you about the relationship performance review that arises when you and your partner suddenly find yourselves spending over 100 hours a week together. For some, it’s bliss; for others, it feels like a full-time job without an HR department. While grey divorce (divorce after age 50) is on the rise in Canada, separation isn’t inevitable. However, marital harmony is also not guaranteed. The truth lies somewhere in between—and that’s where things become interesting.  Retirement isn't merely a lifestyle change—it’s a complete identity shake-up, which can create stress even in the strongest relationships. Grey Divorce: An Increasing Trend Though Canada’s overall divorce rate reached a 50-year low in 2020, divorce among people over 50 is increasing—this trend is dubbed grey divorce. According to Statistics Canada, this demographic is increasingly re-evaluating their relationships as they retire (CBC News, 2024). The same pattern is unfolding south of the border, with the AARP reporting a steady rise in senior divorces in the U.S. Grey divorce isn’t just emotionally taxing—it can be financially devastating. Women, in particular, bear the brunt. A study by the National Center for Family & Marriage Research found that divorced women over 50 have 45% less wealth than their married peers. In Canada, the Canadian Institute of Actuaries has warned that divorce later in life can significantly erode retirement savings and delay or derail financial plans. Role Confusion One retired executive shared that after decades of being chauffeured to work, he assumed retirement meant his wife would now be his driver. “I thought she’d just take over that role, as he climbed into the back seat,” he said, genuinely confused. She had other plans that did not involve sitting behind a wheel, taking coffee orders, or navigating roundabouts. He had not yet made the emotional or physical shift from being served to becoming equal. That transition is more complicated than it sounds—and more common than you'd think. When one partner’s identity is career-driven and the other manages the home, retirement necessitates a complete recalibration. Power dynamics shift, control issues surface, and resentment simmers if left unacknowledged. Housework ≠ Heartwork If you're home full-time now, guess what? You’re not a guest anymore. The dishes, the vacuuming, the grocery runs—these are now shared responsibilities. Nothing breeds resentment faster than an unequal workload. Retirement doesn’t mean “relax”; rather, it signifies redistributing the work of life. Unspoken truths will find their voice. Let’s face it—decades of unexpressed frustrations don’t remain buried. They begin to comment on how someone folds laundry, stacks the dishwasher, or leaves the cap off the toothpaste. Retirement magnifies everything: the quirks you used to laugh off? Mansplaining! What habits did you ignore because life was busy? Now they’re front and center. And what bad habits did you have before? They don’t improve with age—they get worse. Emotional and Mental Health Insights Relationship difficulties can trigger anxiety, depression, and loneliness, especially among men who may have smaller support networks outside their marriages. A 2020 study in the Journal of Gerontology found that post-divorce social isolation is closely linked to declining physical and mental health in later life. Not all couples want to—or need to—divorce to find peace. Increasingly, older Canadians are exploring “Living Apart Together” (LAT) arrangements, where partners maintain separate residences while remaining in a committed relationship. Research by the Vanier Institute and AARP suggests that LAT relationships allow for autonomy while maintaining emotional connection—a potential middle ground for couples who struggle with full-time togetherness in retirement. For many, retirement means the loss of structure, identity, and purpose, particularly for those who have closely tied their sense of self to their professional roles. This loss can create irritability, aimlessness, and tension in a partnership. As Harvard Business Review put it, retirement can be especially tough for men because “so many men are bad at retirement” (HBR, 2021). This emotional void often spills over into the relationship, testing its resilience. Retirement often brings a sudden reshuffling of roles at home. Many men who may have spent decades focused on their careers struggle to adjust to a more balanced domestic lifestyle. The Canadian Centre for Policy Alternatives notes that retirement can expose long-standing gendered inequalities in household labour, leading to friction, resentment, and, at times, relationship breakdown. How to Thrive—Together or Apart The goal isn’t perfection; it’s peace, fulfillment, and ample personal space to breathe. Here’s how to get there: creatively, practically, and honestly. 1. Have the Real Conversations Ask the questions you avoided when life was too busy: • “Are we happy?” • “What do you want out of the next ten years?” • “Are there things we’ve never talked about that matter now?” Unspoken expectations are relationship landmines. Bring them to light—gently and often. 2. Separate Bedrooms, United Front Don’t frown; they are more common than you might think and less scandalous than it sounds. Separate sleep equals better rest, less irritation, and sometimes a more intentional intimate life. Please don’t consider it a breakup; position it as a better mattress strategy. 3. The Basement Suite or In-Law Apartment Plan This represents the sweet spot between staying together and going entirely separate. Living in the same house with clearly defined zones provides each partner with breathing room and independence, especially when you’ve grown apart but don’t want to disrupt finances or family. Ground rules are essential: • Who is responsible for what costs? • Shared meals or separate? • New partners—yay or nay? It’s not perfect, but it can be practical. 4. A Second Space: Cottage, Trailer, or Tiny Cabin A humble trailer or rustic cabin might save your marriage. It’s not about luxury—it’s about space, autonomy, and silence when needed. Whether alternating weekends or solo sabbaticals, having a backup place to go can restore harmony at home. 5. Travel Separately (Sometimes) One of you wants to hike Machu Picchu, while the other prefers to nap in Muskoka. You don’t have to compromise; you can take turns. Alternate between solo trips, friend getaways, or short solo retreats. You’ll both return refreshed—and more engaged. 6. Discover New Purpose (or Income) A restless, lost, or bored partner can quietly sabotage the household. Encourage: • Volunteering • Consulting or part-time work • Mentoring • Taking courses or teaching others • Rediscovering old passions If Divorce Is the Best Option At times, the most honest act is to end a marriage with kindness. If this is the only option, there are important factors to consider: Financial Reality Check • Assets will be divided, including the house, pensions, RRSPs, etc. • Expenses double: two homes, two insurance policies, and two fridges to stock. • Retirement income may not be sufficient for both lives. • Legal costs and timing matter more than ever now—because the time to recover financially is limited.  There are no pensions in tears. Therefore, if you choose this route, plan ahead. Family Impact • Adult children might feel shocked—or even angry. • Grandchildren can pose challenging questions. • Long-term friendships may weaken. • Shared traditions may require reinvention. This process can be amicable. A new term has emerged among women caring for their ill or aging ex-husbands: “Wasbands.” These women step up with empathy rather than obligation. Vows no longer bind them; instead, they are guided by compassion. Honestly, humanity wins in these situations. There is still love, respect, and history—even if it’s no longer romantic. That is not failure; it is growth. Rewrite the Rules Retirement is not a dead end; it’s a creative reawakening—if you approach it that way. Retirement is a significant life transition—not just financially, but relationally. Like any other chapter in life, it requires renegotiation, mutual respect, and a willingness to evolve. Some couples find deeper intimacy, while others redefine their relationships entirely. The good news? Whether it's under one roof or two, retirement can still be a time of connection, discovery, and, yes, romance. But it also requires some good, old-fashioned adulting. Yes, *adulting*—that modern word we usually reserve for paying bills, booking dental appointments, and reading the fine print. It turns out it’s equally essential in retirement. Emotional maturity, communication, boundary-setting, and a shared approach to evolving roles are all keys. Think of it like the Sonnet Insurance commercials that cheekily remind us adulting is hard but worth it. Retirement is also a factor, especially when approached with intention and a sense of humour. This is your last chapter. Make it a good one. Whether you stay together, sleep apart, live separately under one roof, or consciously uncouple, do it with clarity, kindness, and courage. The goal isn’t a perfect love story; it’s a fulfilling life for both of you. When in doubt, take a walk (alone if necessary). Share a joke. Communicate like adults. And for the love of long-term care insurance, remember: resentment compounds faster than interest. If you enjoyed this article or thought, “Oh wow, this is exactly what my friend/parent/relative needs to read,” please share it. You can also subscribe to the Retirement Literacy newsletter for more smart, candid, and occasionally cheeky insights on navigating life after full-time work. Let’s make retirement not just the end of work, but the start of something meaningful, fulfilling, and a little fabulous. Don’t Retire…Rewire! p.s. Know someone who’s about to retire?— Why not share this worksheet?  It’s the best pre-retirement checklist they never knew they needed. 6 Questions to Ask Before Retiring Together Retirement reshapes your schedule, your identity—and your relationship. Before you hand in your keycard, ask these candid questions with your partner.  Because the toughest part of retirement isn’t money—it’s time. And you’ll be spending a lot more of it together. 1. What Do You Want This Chapter of Life to Look Like? Dreams misaligned can lead to daily friction. Do you crave adventure while your partner seeks peace and quiet? Map it out—together. 2. How Much Time Do We Really Want to Spend Together? “Always together” sounds sweet—until it feels stifling. Define your ideal balance between shared time and personal space. 3. What Roles Are We Playing Now—And Do They Need to Change? Retirement often means rebalancing housework, caregiving, and emotional labor. What’s fair now that you’re both at home? 4. Are There Any Long-Standing Frustrations We’ve Avoided Talking About? Retirement shines a spotlight on old resentments. It's better to talk than to silently stew over how the dishwasher is loaded. 5. How Will We Handle Money Decisions as a Team? With changing income and more shared expenses, financial transparency and joint planning are more crucial than ever. 6. What Will Give Each of Us a Sense of Purpose—Individually? A restless or bored partner can bring tension into the home. Talk about passions, volunteer work, or part-time pursuits that bring meaning. Want more smart, candid insights?  Visit www.retirewithequity.ca to start rewriting your next chapter with clarity and confidence.

Coping with Grief During the Holiday Season

Baylor experts suggest three strategies to help cope with grief during the holidays (Image Credit: D-Keine/Getty Images) The holidays are typically a time of joy and celebration for most people, but this time of year can be very different for grieving people. The death of a loved one can be especially hard during the holidays as they are full of memories, traditions, and sensations associated with the holidays – all reminders that this year is different, and someone is no longer here. What can someone in the midst of grief do to make this time more positive and step toward emotional healing? William (Bill) G. Hoy, D.Min, FT., clinical professor and associate director of Medical Humanities, and Candi Cann, Ph.D., associate professor of religion in the Honors College at Baylor, suggest three strategies for grieving people to cope with their loss during the holidays. “Holidays are also hard in grief because they are built around relationships,” Hoy said. “Family gatherings cannot ever be the same, and, of course, memories of bad relationships cause us to realize the past cannot be changed.” Acknowledge your pain The first step is to admit the pain of grieving. “Saying goodbye to a loved one is no easy task, and, undoubtedly, it feels different than you could ever have expected,” said Hoy. Cann pointed out that some deaths bring about complicated grief if the loss is from a difficult relationship. “It is okay to feel relief in addition to grief and it is important to validate all of your feelings – it’s a complicated grief because it was a complicated relationship.” Hoy said that culturally people tend to try to get around the pain without facing it, which only makes it harder later on. “There is an empty chair at the table on this special occasion. The grief following a death assault at every turn with the reality that they will not be returning to the table. Because holiday grief is so painful, there is no need to try to escape the pain this holiday season.” Take care of yourself Self-care is vital during this time, said Cann. She encourages grieving people to stay active, eat healthy, go outside to be in nature and get enough sleep. “It’s totally normal to need more sleep when you're depressed and grieving, you just have to be gracious with yourself about that,” she said. Hoy added, “Remember that grief is very tiring and - even under the best of circumstances - holidays are very taxing.” Give yourself permission to turn down invitations or leave parties early. In addition to taking care of your physical health, Cann recommends staying engaged in your community or church. “Being in community with others is very beneficial for your mental health.” At the same time, be honest with yourself about what you want to do and only accept invitations or participate in activities that you feel you can handle, said Hoy. Evaluate traditions and embrace memories When the holidays arrive, many people want to change everything about the holidays to avoid the sad feelings, said Hoy. Both he and Cann suggest evaluating family traditions, choosing those traditions that are most important to continue and including the dead through new traditions. “Don't forget to embrace your memories of past holidays and special events as you face this season,” Hoy said. “We cannot have things like they were, but we can hold in our hearts the memories of days gone by. You may want to light a special candle or purchase a special holiday decoration and hang it in your loved one's memory.” “A lot of people feel like when that person is gone, the love is gone too, but the love is still there,” Cann said. “You wouldn't feel the grief or the big hole that you now have if you didn't have all of this love in the first place.” She suggests embracing their presence by including a place at the table for Christmas dinner, making their favorite recipe or many other ways to continue the bonds and positively remember the dead in your life. By doing these things, “you're including them in your conversation, and you're making space for that person, both literally and symbolically.” How to support someone who is grieving Being supportive of someone grieving requires patience and vulnerability. “Engage with the person and ask how you can best support them,” Cann said. “And let them know that you are thinking about them during this time.” “A lot of people don't want to bring it up because they don't want to make people sad at a joyful time,” Cann said. “But the point is, they already are sad, so bringing it up allows them to express it” and feel accepted in their pain. Hoy said to remember that there is no set timeline for an individual grief journey. It is also important to remember that not all grief is related to death. There are many types of loss that people experience such as divorce or disease. We can’t decide or predict what defines another person's grief, but we can offer love and support. Approaching the holidays when experiencing grief over the death of someone or a deep loss may be painful at first, but using these strategies can help us face the future by celebrating with gratitude what we had in the past.

Covering the music beat? Then tune in and get in touch with our resident hip-hop expert

Augusta University Professor Adam Diehl is an expert in hip-hop culture, lyrical analysis, rap as a form of literature and specifically, the works of Kendrick Lamar. Diehl gives an update on what's new in hip-hop and of course, answers questions about Lamar and his highly anticipated new album.  How has the hip-hop music scene changed over the last 5 years? The hip-hop music scene has changed faster than any other genre the last five years. Whereas country still uses radio play and music videos to gauge success (along with album sales and streaming numbers) and rock uses touring to supplement and offset recording costs, pop and hip-hop have a great advantage in that they can raise people to stardom almost overnight. In fact, several of the biggest pop stars like Billie Eilish and Post Malone made their rapid ascents through the same channel many of the top hip-hop stars did: Soundcloud. Because this platform allowed new artists the chance to put their music alongside heavyweights, it democratized the listening process. What sent Soundcloud soaring? To put it succinctly, Soundcloud was the great reset of the hip-hop world. But when COVID hit and musicians couldn't tour for upwards of two years, the hip-hop community soared past country and rock (which they were already outselling pre-pandemic) because they didn't base their profit model on touring. Even pop stars were at a disadvantage, because the TV appearances and interviews they used to promote their new releases were few and far between for at least a year, and virtual events just couldn't replicate award show appearances and performances. Hip-hop, meanwhile, continued to be "Black America's CNN" and reported on the protests and outrage following the high-profile deaths of George Floyd and Breonna Taylor. The resurgence of Black Lives Matter brought mainstream media and cultural attention to the Black community, and as such the importance of hip-hop grew, just as it did in the wake of the Rodney King verdict and the deaths of Trayvon Martin, Michael Brown and Eric Garner. How has the economy of music changed? Most people under 20 don't own any CDs. What money these kids don't spend on music can now go to a modern cultural institution: the music festival. Increasingly, cities are hosting these previously camping-required concerts, which has been a particular advantage for hip-hop artists, who don't need roadies or sometimes even other people on stage. All they need is a setlist with six to 10 catchy songs, an entrancing light show, a DJ/engineer and a strong stage presence, and they can captivate the audience as easily as some of the all-time greats of any genre. Going forward, the music industry is going to be about return on investment. Instead of developing artists over a five-year period and then letting them blossom for two to three decades, they are looking for someone to explode in popularity instantly, stay in the spotlight and public consciousness consistently for three to five years, and then maybe stick around. TikTok is, in many ways, analogous to this career arc: the videos are short, the makers are -- to some extent -- largely forgettable, and the popularity relies heavily on a "hook." It's no surprise that hip-hop has been the most adopted genre by TikTokers: the genre has been more effective than any other in terms of codifying "catch phrases." And that's what TikTok is going for: something to hook viewers into watching more. Did the Super Bowl appearance by hip-hop artists take the genre to a whole new level as far as mainstream music? If the Super Bowl halftime show in 2022 did anything, it showed that rap and hip-hop are now as household friendly as rock, country and pop. Perhaps because so many best-selling rock acts had already played the halftime show, and perhaps because the pop acts of recent years had failed to maintain the public's attention, the 2022 halftime show featured one of hip-hop's founding fathers: Dr. Dre. His menagerie of artists' careers stretched over 30 years, and the time constraints of the show made hip-hop the ideal soundtrack. In a 13-minute set, six performers all got their moment in the California sun, and the mega-mix model so often used in clubs was perfect to segue from artist to artist. What 30 to 35 years ago was "Parental Advisory" is now the music that parents listen to. The target demo of the Super Bowl would've thought someone like Simon & Garfunkel or The Eagles much more risky picks than Dr. Dre & Co., even if their music was more family-friendly. Many casual music fans thought Kendrick Lamar was the head-scratcher because of his shorter tenure in the spotlight, but the younger generations watching were much more interested in what Kendrick did than "old heads" like Snoop Dogg and Mary J. Blige. Was this new album by Kendrick Lamar overdue? The new Kendrick Lamar album comes right on time: it is the definitive COVID album. If he had released in spring/summer 2020 when he originally intended (i.e. if the early March 2020 pgLang rollout was foreshadowing his record release), this would be a substantially different work of art. Instead, the project voices what so many people have endured in the pandemic: domestic turmoil. The tracks cover a vast array of topics -- from vaccinations to transgenderism to cancel culture -- but the unifying theme is therapy. As much emphasis as physical health got over the past two years, the pandemic was arguably just as bad if not worse for people's mental health. Accordingly, this album goes into dark valleys in Kendrick's and his family's trials and traumas: child abuse, sex addiction, separation/divorce, deaths, etc. In the two years that society has been persevering through the pandemic, countless marriages and millions of lives have been shaken to their cores. Listening to this double-album adds another tremor to our already-jostled souls. Tracks like "We Cry Together" capture the rapid-fire romantic arguments that can quickly escalate from disappointment to suicidal ideation, and "United in Grief" recreates the sense of a panic attack with its intensifying lyric delivery and drumbeats. Anxiety and depression are the recurring moods of this album, and the track list ranges in sonic textures -- from Lamar's tried-and-true vintage gangsta rap beats to the utterly unpredictable piano flourishes that come straight from a spoken word poetry reading -- to reflect the all-too-familiar combination of monotony and chaos that the world has undergone for the last two years. It is unforgettable -- just like COVID-19 -- but also, perhaps, something we'd rather not relive. Why do some consider Lamar the most influential rapper of our generation? Kendrick Lamar only has two real rivals for most influential rapper of the generation: Kanye West and Drake. Although Kanye is 10 years older, his career overlaps to a large degree with Kendrick's. Kanye's influence certainly comes more in the production of songs than in lyrical delivery, but his subject matter has been very contagious. Kendrick's mentioning of a Birkin bag in "N95" would never have happened if not for Kanye's lyrical (and career) forays into high fashion. Drake, on the other hand, is probably the rapper most influenced by Kanye...who went on to influence the most artists. Without Drake, many rappers wouldn't have had the blueprint for being singers as well as MCs. What Kendrick brings to the conversation is, in a way, more elusive; however, he without a doubt has raised the bar for lyrical delivery and flow, such that rappers have a better chance at success if they are comically basic than if they are merely competent. It's as if Kendrick took Eminem's velocity and used it to speak on bigger picture issues. Kendrick has also proven to be a fashion-forward rapper, collaborating with Reebok, Nike and Converse over the last few years. His influence might be most prominent in the "realness" of his lyrics: without Kendrick's "everyday life music," the emergence and popularization of "Soundcloud rap" might have been significantly limited. Instead, he uses Kodak Black -- one of the most successful of all Soundcloud-era rappers -- on Mr. Morale & the Big Steppers. If Kendrick isn't the most influential rapper of his generation, it's because his ambition and execution have placed him with the all-time greats, and oftentimes that puts artists at odds with their contemporaries. In 100 years, people won't remember some big acts because popularity wears off, but they will still celebrate Kendrick because his work is excellent. Looking to know more? Hit up Adam Diehl today -- simply click on his icon now to arrange an interview.

Aston University experts look at how cash and social media are part of 'coping with success'

"It's the whole 'money doesn't make you happy' adage... two fifths of football players are bankrupt within 5 years of retirement, while a third divorce in the same period" Professor Andy Lymer, Aston University In this episode, Steve chats to Dr Tahmineh Tayebi and Professor Andy Lymer and the social media abuse and financial responsibility that comes with being a top footballer and athlete. Dr Tahmineh Tayebi looks at the linguistics of social media abuse. She starts by understanding the fans' perspective. They've invested time, money and trust in clubs/players and feel entitled to opinions/criticism - but the issue is the language used. Explicit and hateful language - often racist and/or violent - is the easiest to cope with, as it can be banned. But there's lots of "clever" offensive language which breaks no laws and is difficult to spot but still hurtful. Tahmineh discusses loose boundaries between freedom of expression and bullying. She also points to the recent social media boycott and the BT Hope United project. Professor Andy Lymer looks at the issues faced by wealthy players. He cited interesting research showing 2/5 of football players are bankrupt within 5 years of retirement, while 1/3 divorce in the same period. Players have short careers and either need to earn enough to last them with good advice or need to do something else after playing. However, Professor Lymer says many still quickly burn through their fortunes. He notes Britain is bad at educating people in dealing with money, especially in 'decumulation' - e.g. making it last, planning savings for pensions and downsizing. He points to various government-backed schemes/helplines which can help anyone. The big issue is top footballers attracting long queues of people wanting to advise their slice. Getting the right, trustworthy advice is the problem. In football itself, big clubs are guiding young, vulnerable players as part of their development, and various players' organisations also help, such as a 24-hour helpline. But the stats show us it's not enough, and Andy calls for the sector to do more in education.