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Seventy There it is. Just sitting there. A number that tends to land somewhere between “good for you” and “are you feeling alright?” And before you answer that, let me tell you I am more than alright. I am thriving. Loudly. Definitely with dancing. And with just enough attitude to make a few people slightly uncomfortable, which I have decided is a sign of a life extremely well lived. But first, let me tell you about the plan. ⁂ The Plan Was Magnificent. It Lasted Eleven Minutes The plan was to retire gracefully. Ease into a slower pace. Read more. Maybe garden. Drink better wine. Finally, work through all those documentaries piling up in my queue with the quiet confidence of someone who had absolutely earned the right to nothing. Here is what actually happened. The documentaries stayed in the queue, and the garden did not get planted. I did, however, read one book. Just one. But it turned out to be exactly the right one. David Brooks wrote The Second Mountain: The Quest for a Moral Life, and I picked it up the way you pick up something that does not look urgent, only to find you cannot put it down. Brooks argues that we spend the first part of our lives climbing what he calls the first mountain: the career, the credentials, the identity, the whole elaborate structure of proving ourselves. And then something happens. You reach the top, or you fall off, or the mountain turns out to be considerably smaller than it looked from the bottom. Either way, you end up in a valley, slightly winded, wondering what comes next. And that, Brooks says, is where real life begins. The second mountain. The one you climb not for yourself but for something greater. The one where the question shifts from “what do I want?” to “what does the world need from me?” I read that while sitting in my living room and thought: that is the whole story, right there. There is a phrase I use throughout this blog: try to keep up. I say it because seventy feels faster and fuller than I ever expected, and because it is an invitation, not a taunt. You still have tread on your tires. I mean that warmly. Try to keep up. ⁂ The Valley Was Not Optional My valley arrived without warning or invitation: I lost my job unexpectedly. No graceful wind-down. No farewell luncheon with a tasteful card, no parade! Just the particular silence that follows the end of something you had not quite finished. Nobody glides gracefully from mountain one to mountain two, no matter how it looks on social media. What nobody tells you about retirement, voluntary or otherwise, is that stopping is quite difficult. Not the logistics. The identity. You spend thirty years answering the question “What do you do?” and then one day no one asks anymore. We carefully plan the money. We almost never plan for the morning when your calendar is empty, your inbox is quiet, and no one expects you anywhere. That morning is its own kind of reckoning. Brooks calls this the valley experience, and he is right that it is unavoidable. It is where you shed the old self so a new one can emerge. There are no shortcuts. I tried several. But then I hired a coach. Not just any coach. A thought leadership coach, which sounds very impressive but turns out to involve a great deal of uncomfortable self-reflection and at least one conversation in which the coach tells you to write a blog. “Do your research,” he said. “Find your niche. Share what you know. And honestly, you should probably write a book.” (Thank you, Peter!) I nodded. I smiled. I thanked him warmly. Then I went home, sat down, and had a completely private, entirely dignified meltdown that I will describe only as spirited. Action absorbs anxiety, so once the spirited moment passed, I got to work. Try to keep up. ⁂ The Second Mountain Has a Name. It Is Retire with Equity I started writing. Article after article, something unexpected happened: I found my voice. It turns out my voice is part educator, part agitator, and part hilarious, where kitchen-table logic meets a spreadsheet. I began calling her Aunt Equity, and she has been absolutely delightful company ever since. A word on naming your alter ego after a financial product: no one recommends it. No self-help book has a chapter that says ‘step three, create a persona rooted in home equity solutions and give her a sassy name.’ And yet Aunt Equity arrived fully formed, with opinions, a logo, and an inexplicable amount of charisma. She is part brand, part character, and entirely my fault. I am keeping her. For Brooks, the second mountain is a calling, not a career move. For me, it is a community. The Canadian retirement community. The people who built this country, paid into it, raised children in it, and are now quietly panicking about whether they have enough to keep going. That community. They are my people, and this is my mountain and I have built my company, Retire with Equity to support it. And I will be honest: this mountain is considerably steeper and way more fun. Try to keep up. ⁂ What Is Your Second Mountain? Here is where this stops being about me and starts being about you. The second mountain is not one thing. It is not a prescription. It is not reserved for people who write blogs, build platforms, or have particularly spirited meltdowns. It is waiting for you, wherever you are, whatever you are carrying, whether you are fifty or seventy or somewhere in between and still not entirely sure you are allowed to want something new. The second mountain looks different for everyone, and that is entirely the point. Also, a feature, not a bug. For some people, it is family. Really showing up for grandchildren in ways that a demanding career never allowed. Being present, not just present-ish. Taking the grandkids to school on Tuesdays because Tuesday is your day now and the best day of the week. Becoming the person in the family who holds things together, not because you have to, but because you finally have the time and the wisdom to do it right. For others, it is community. A neighbourhood organization, a cause that has been pulling at you for years, or a faith community that needs exactly the skills you spent a career building. Brooks tells the story of a woman who was moving out of a rough Chicago neighbourhood, looked out the window, saw little girls playing with broken bottles in an empty lot, turned to her husband, and said: we are not leaving. She ended up running a major community organization. She did not set out to build a movement. She just decided not to look away. And then there are the callings that have been patiently waiting in the back of a drawer since approximately 1987. This is my personal favourite category because it is full of people who surprise themselves completely. Andrea, whom I see every week at the gym, spent her late fifties doing something most people her age were emphatically not doing: she went to law school. In London, England. A yearning carried for decades, quietly set aside while she built a career and raised a family. Then one day she stopped being polite about it and went. She is one of the most alive people I know. David discovered painting. Not dabbling. Painting. He picked up a brush at a class a friend dragged him to, and something clicked open that had apparently been waiting for that exact moment. He paints almost every day now, and the look on his face when he talks about it is that of someone who found something he did not know he had lost. If you are sitting there thinking you have left it too long, or that your moment has passed, that is a you problem, and I say that with complete affection. The door is still open. Walk through it. Brooks calls it the place where your deep gladness meets a deep hunger in the world. I think of it as the morning when you wake up and you are not just filling time. You are fulfilling a purpose. Try to keep up. ⁂ What Actually Works (And What Dottie Has to Do With It) I have a ten-pound dog named Dottie. She is the canine embodiment of purposeful living and, frankly, an unsolicited life coach. Full speed, tail up, no apologies. I take notes. The retirements that work, the ones people describe as genuinely meaningful rather than merely solvent, share a few things in common. They move. Consistently, enjoyably, sustainably. The body is not a liability to be managed in retirement. It is an asset, and it responds remarkably well to being treated like one. For me, part of that meant I needed a break from drinking, and the origin story is not glamorous: I woke up one morning and could not remember how the movie I watched the night before ended. That was the moment. What began as a one-month experiment quietly became almost two years. I sleep better, think more clearly, and no longer find myself wide awake at 2 am doing mental arithmetic about nothing. I feel sharper and more energized at seventy than I did a decade ago. The fifties, it turns out, were not the peak. They were the warm-up act. And for the record, I still cannot remember how that movie ended some mornings. Some things are beyond even sobriety. Physical vitality expands your options. Financial clarity reduces your dread. Purpose gives both of those things a reason to matter. Tend to all three. Not perfectly. Just intentionally. Dottie, for what it is worth, nails all three before anyone else in the house has had coffee. If she is the bar, she is not wrong to set it there. Try to keep up. ⁂ A Confession. Then a Celebration Almost five years into this accidental, exhilarating, occasionally terrifying reinvention, I still do not have it entirely figured out. The documentaries remain unwatched. I still cannot tell you how they end. What I do have is this: evidence, personal and otherwise, that the second mountain is real and better. Not easier. Better. Because when you are climbing toward something that matters beyond your own resume, the climb itself changes. The effort feels different. The setbacks feel survivable. And the view, when you get there, means something. You do not need to have it figured out before you start. You just need to take a step. Then another. Then hire a coach, have your spirited moment, and remember: action absorbs anxiety. Say the number out loud, whatever it is. Forty, fifty, sixty, seventy. Say it. Then decide what it means, because that part is entirely up to you. The first mountain shows you what you are capable of. The second one shows you who you actually are. If you have not read David Brooks’ The Second Mountain, put it at the top of the list. The documentaries can wait. I have confirmed this from personal experience. The Friday night of my birthday week, there was an epic dance party at a local brewery, organized by my wife Bonnie, the woman I met on a dance floor thirty-three years ago and have been dancing with ever since. Bonnie deserves more than a shout-out here. She deserves a medal, a monument, and honestly, serious consideration for sainthood. For over three decades, she has lived with my schemes, my pivots, and my absolute certainty that each new thing is the thing. She has never once wavered. Bonnie is the reason any of this works, and the reason that dance floor was full of people who love me. I am, by any objective measure, an extremely lucky person. I am also aware that she will read this, so I want to be clear: yes, I mean every word, and no, this does not get me out of whatever I am currently scheming. The glow of that party remains, and I know I have truly arrived because there was even a party crasher. I named her Mona. Mona could not resist the pull of that much joy and some absolutely kickin’ eighties music. The story of Mona, the early thirties party crasher, is being reserved for another time, but know this: if your birthday celebration attracts a stranger named Mona, you are doing seventy exactly right. The second mountain, it turns out, has a very good playlist. And if you are worried you are not quite ready for it, or that the moment may have passed, I want to leave you with this: you still have tread on your tires. So does everyone in this community. And if you cannot keep up, at least come dance. You might surprise yourself. Just ask Mona. I am seventy. I am on my second mountain. Come find yours. Try to keep up. ⁂ Sue Don't Retire...Re-Wire! My Book is Now Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for you, a friend or loved one. It's available September 8, 2026 - You can now order on the ECW Press site here. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.
Approximately 4,400 degrees conferred during Georgia Southern’s 2026 Spring Commencement ceremonies
Last week, approximately 4,400 graduates from Georgia Southern University’s Statesboro, Armstrong, Liberty and Swainsboro campuses received associate, baccalaureate, masters, specialist and doctoral degrees in five Spring 2026 Commencement ceremonies. Georgia Southern President Kyle Marrero welcomed the graduates and their guests to the ceremonies, held at the Allen E. Paulson Stadium and Jack and Ruth Ann Hill Convocation Center in Statesboro, Enmarket Arena in Savannah and East Georgia Campus in Swainsboro on May 11, 13 and 14. “To our graduates, congratulations,” Marrero welcomed the crowds. “Today we recognize and honor your hard work, perseverance and personal growth throughout your academic journey. The road to this moment has not been without its challenges, and your presence here is a reflection of your dedication, resilience and strength. You have every reason to be proud. This commencement is a meaningful milestone not only for each of you personally, but for the entire Georgia Southern community.” The Commencement speakers included: Bob Somers (’83) Nick Westbrook (’20) Berry Aldridge (’15) Kim Hartsock (’20, ’21) Rep. Butch Parrish Somers opened the ceremonies at Paulson Stadium with words of encouragement for the new graduates. “While this day marks your formal education coming to a close, the truth is your education and life is just now beginning,” he said. “When I look out at you, I don’t look at graduates. I see future leaders. And our future is bright because of what you’re going to bring to this world. “Georgia Southern gave me structure, opportunity and people who believed in me. One of my proudest moments was graduating from this incredible institution. Find your north star. What kind of person are you? What are your values? Be genuine with yourself and others. If you’re authentic, people will trust you and they will follow you. Be comfortable being uncomfortable. Real leadership requires vulnerability.” Westbrook relayed the importance of service and character alongside leadership. “You will have the opportunity to influence people, organizations, companies and industries,” he said. “Use that influence for good. Your opportunity will not only be for a better job, more income or a higher position. The highest calling of your opportunity will be what you can do for the people who are affected by your influence. In a world that is becoming increasingly transactional, be the leader that goes the extra mile to make your world a little more relational, more kind, more human.” Aldridge enthusiastically challenged graduates to consistently recalibrate the way they think, and to consciously surround themselves with support. “Class of 2026, you’ve accomplished something incredible, but you’ve done it during a very strange and chaotic time in history,” he said. “I’m not breaking any news when I say that we are standing on the edge of a massive change to our jobs, our technology, our society. “I don’t know how AI is going to change the way we work or influence the job market. I challenge you to be skeptical even in your own most passionately held beliefs. That’s the only way to keep ourselves in check, and it’s the only way to keep ourselves growing. Nurture three types of relationships — one who lifts you up, another who tells you the truth, and one who will always show up — in order to succeed, he continued. And then be that person for others. Hartsock reflected on the generational impact of earning a degree. “For some of you, this is not just a personal achievement, it’s a historic one,” she shared. “You may be the first in your family to earn a college degree, and that accomplishment carries special significance. You are changing the trajectory of your family and setting an example for generations to come.” She asked them to be intentional about who they learn from. “Seek out people who can teach you things that books never will,” she said. “It’s important to look for leaders whose lives are marked not only by achievement, but also by joy and purpose. “Invest in this university. Join the alumni association. Help recruit future Eagles. Create a scholarship. Create opportunities for students to learn from you and work with you. Stay involved,” she said. “You never know, 25 years from now, you might be standing right here where I am. Congratulations, class of 2026 and Hail Southern!” In the closing ceremony in Swainsboro, Parrish encouraged graduates to continue learning. “Today is by no means an end,” he said. “It’s just the beginning. Your education has prepared you for what lies ahead. Your education allows you to create your own path forward. You have a unique opportunity to define your own path. You don’t have to follow anymore. Education is like insurance for whatever you’ll be facing in the future. “Education comes in many forms. There’s formal and informal, traditional, nontraditional and learned education, just to name a few. So, I encourage you to pursue a career in something that you really have a passion for and something that you really want to do. Whatever you decide to do is up to you, and your future is bright and it’s unlimited.” Video and Photo Links Spring 2026 Commencement ceremony 9 a.m. video on May 11 in Statesboro Spring 2026 Commencement ceremony 6 p.m. video on May 11 in Statesboro Spring 2026 Commencement ceremony video on May 13 in Savannah Spring 2026 Commencement ceremony video on May 14 in Statesboro Spring 2026 Commencement photos here Credit: Courtesy of Georgia Southern University Georgia Southern University, a public Carnegie Doctoral/R2 with a Carnegie Community Engagement classification, offers approximately 149 different degree programs serving nearly 31,600 students through 11 colleges on four campuses in Savannah, Hinesville, Statesboro, Swainsboro and online instruction. Founded in 1906, Georgia Southern is a leader in higher education in southeast Georgia with expert faculty and a focus on public impact research and engaging learning opportunities through knowledge and know-how that prepare our students to soar beyond and take ownership of their lives, careers and communities. Visit GeorgiaSouthern.edu.
Memorial Day: A Time to Remember, Reflect, and Honor
Every year, millions of Americans gather for backyard barbecues, parades, family gatherings, and the unofficial start of summer. But at its heart, Memorial Day is something far deeper - a national day of remembrance dedicated to the men and women who died while serving in the United States Armed Forces. Originally known as “Decoration Day,” the holiday emerged after the American Civil War, when communities began decorating the graves of fallen soldiers with flowers and flags. Over time, the observance expanded to honour all U.S. military personnel who made the ultimate sacrifice in service to their country. Memorial Day officially became a federal holiday in 1971 and is observed annually on the last Monday in May. Today, Americans commemorate the day in many ways. Traditional ceremonies include visits to cemeteries and memorials, moments of silence, flag placements on graves, military flyovers, and community parades. The National Moment of Remembrance at 3 p.m. local time encourages citizens across the country to pause and reflect on the cost of freedom and the lives lost defending it. While celebrations and long weekends have become part of the modern Memorial Day experience, historians and veterans’ advocates often remind people that the holiday’s true significance lies in remembrance, gratitude, and national reflection. It remains one of the most meaningful civic observances in the United States — a day that connects generations through sacrifice, service, and shared history. Story Angles Journalists May Explore The historical origins of Memorial Day after the Civil War How Memorial Day differs from Veterans Day The evolution of military remembrance traditions in America Why symbols like poppies, flags, and wreaths matter The role of cemeteries, monuments, and memorial sites in preserving national memory How younger generations are reshaping the meaning of patriotic observances Journalists covering Memorial Day, military history, civic traditions, remembrance culture, or the evolving meaning of patriotism may wish to connect with experts in American history, military studies, sociology, or cultural traditions surrounding national remembrance days. Covering or have questions? Our experts are here to help: To see all of our experts - simply visit www.expertfile.com
Canada’s Retirement Problem Is Not “Boomer Luxury Communism”
A recent Washington Post column by Pulitzer Prize-winner George F. Will caught my attention. A prominent American conservative warns about a demographic apocalypse. Normal Monday. His argument: an aging population and a politically powerful senior cohort are driving unsustainable government spending, leaving younger generations to foot the bill. He even has a name for it: “Boomer Luxury Communism.” (Does George Will need a Snickers bar?) It made me wonder: are the same forces reshaping retirement here in Canada? I’ve heard the generational accusations. Boomers took the good pensions. Boomers drove up housing. Boomers left the mess. Boomers won’t move and sell me their house. But here’s the thing. Boomers don’t have a case of “Pierre don’t care.” Most of them are quietly terrified. After 25 years in financial services and a decade sitting across kitchen tables from Canadians over 55, I think the story is a lot more complicated than that. According to Statistics Canada data, nearly one in five Canadians (19.5%) is now aged 65 or older, representing more than eight million people nationwide, signalling significant growth in the demographic. Retirement itself has also changed dramatically. Fewer Canadians have access to defined benefit pensions. Costs are rising, from groceries to housing to healthcare. And most people want to remain in their homes as they age. The result is straightforward: retirement is lasting longer, costing more, and relying more heavily on individuals than ever before. That much we share with the United States. But the Canadian reality is more complicated. Canada’s Seniors Are Not Living the Way Many People Assume Where the comparison begins to break down is in how we interpret what’s happening. The idea that Canadian seniors are broadly living comfortably at the expense of younger generations simply doesn’t match what I see in practice. In fact, many older Canadians are experiencing something quite different: Financial uncertainty. Despite having significant assets. On paper, many retirees look secure. They may own their home outright. They may have some savings and receive income from programs like CPP and OAS. But much of that wealth is tied up in housing. Families led by someone aged 65 or older now have a median net worth exceeding $1.1 million, the highest of any age group. (Source: Statistics Canada, Survey of Financial Security) Yet the same data also reveals something important: The value of the principal residence for many seniors far exceeds their retirement savings. Many Canadians are increasingly finding themselves asset-rich on paper but cash-flow constrained in practice. The Rise of FORO: Fear of Running Out When you look more closely at the financial picture for many retirees, income streams are often modest and heavily exposed to inflationary pressures. Longevity adds another layer of uncertainty: A Canadian reaching age 65 today can expect to live another 20 years on average. Longevity is, of course, a triumph of modern society, although financially speaking, it has a way of extending the spreadsheet. Which leads to a question I hear repeatedly around the kitchen table: “Will I have enough money to retire?” This concern is so common that I’ve written extensively about it as FORO: "Fear of Running Out." It shows up in everyday decisions. Let’s call balls and strikes: FORO is real, and left unchecked, FORO thinking gets calcified into a permanent crouch. It’s cautious, it’s understandable — and it can quietly cost you your retirement. Worse than an ill-timed "reply all" to a company-wide email. • People delay travel • They hesitate to help their family. • They postpone home repairs • They underspend, even when they may not need to. I’ve met people who won’t replace a 20-year-old furnace because they’re saving money for an emergency. The furnace failing IS the emergency. This is not reckless consumption. It’s cautious financial restraint. A recent Healthcare of Ontario Pension Plan Retirement survey found that nearly half of Canadians approaching retirement worry about outliving their savings. Other research from Fidelity Canada shows that many retirees spend less than they comfortably could because they fear future financial shocks or healthcare costs. This anxiety matters because retirement is not just a math problem. It is also a confidence problem. This Isn’t Boomer Excess. It’s a System That Shifted What’s happening in Canada is not primarily a story of overconsumption by retirees. It is the result of a long-term structural shift. Canadians are living longer than ever. In fact, the number of Canadians over age 85 - already one of the country’s fastest-growing demographic groups, is projected to nearly triple over the next 25 years. (Source: National Institute on Aging) Over the past several decades, pensions have disappeared. Employers steadily moved away from guaranteed pensions while individuals assumed far greater responsibility for funding their own retirement years. Defined benefit pension coverage has declined significantly in the private sector, particularly among younger workers, leaving more Canadians to manage retirement risk on their own. The CD Howe Institute has written extensively on this topic, calling for pension reform. At the same time, housing became the country’s dominant store of wealth. For many Canadians, rising home values created the impression of growing financial security. But the current housing environment is far more complicated. Now, real estate markets have become less liquid. Some regions are now seeing much softer housing prices after years of extraordinary growth. Cue the song, "Those were the days, my friend, we thought they'd never end." The result is a retirement system increasingly dependent on housing wealth, whether policymakers openly acknowledge it or not. Government is beginning to feel the financial pinch as well. A recent report from the C.D. Howe Institute estimated that demographic aging alone could create more than $2 trillion in long-term fiscal pressure for provincial governments, driven largely by healthcare and age-related spending. In the mid-1970s, there were nearly seven working-age Canadians for every retiree (Source: Statistics Canada). Today, that ratio has fallen to closer to three-to-one. It's a profound demographic shift that is placing growing pressure on labour markets, healthcare systems, and public finances. As retirements accelerate, fewer younger workers are available to replace them, reshaping the country’s economic and fiscal balance. Even high levels of immigration are unlikely to fully offset Canada’s aging challenge over the long term. These pressures are real. But the Canadian story is still more complicated than the increasingly combative generational narratives emerging in the United States. Retirement Became a DIY Project Over time, we slowly moved away from a system that delivered predictable retirement income. Now we ask individuals to assemble their own retirement strategy from scratch. Choose your own adventure: except the stakes are your retirement, and there’s no going back to page one. That shift created flexibility but also risk. And today, that risk is showing up as uncertainty. And while it's tempting to frame this as a generational issue, the more meaningful divide in Canada increasingly looks like this: • homeowners versus non-homeowners • those with pensions versus those without • those with access to advice versus those navigating alone Looking at the issue through this lens helps us better understand how we arrived at this point, and why it should serve as a wake-up call for consumers, policymakers, and the financial industry. Still not convinced? Look at this data from the Statistics Canada Net Worth Report: Near-retirement households with both a workplace pension and homeownership had a median net worth exceeding $1.4 million. Remove those two structural advantages, however, and the financial picture changes dramatically: renters without pensions had a median wealth of less than $12,000. Let me stop and let this one land. Pause, breathe, and read on. The wealth gap, when you look at homeownership and pensions, is staggering. It reveals how profoundly retirement security in Canada is shaped not only by age but also by structural access to housing and pension systems. Two Canadians of the same age can now face entirely different retirement realities depending on just a few foundational variables. That’s not a generational conflict. It’s a serious design problem — a bug, not a feature. The Accumulation Paradox Here is another gap that rarely gets discussed. Canada has done a reasonably good job of helping people accumulate assets. BUT We have done a much poorer job helping them convert those assets into sustainable income. This is especially true when it comes to housing. Research from the National Institute on Ageing and CMHC consistently shows that the overwhelming majority of older Canadians want to age in place rather than downsize or move into institutional care. But Canada’s retirement system increasingly depends on housing wealth, even as many retirees remain reluctant to use it strategically. For many Canadians, home equity is their single largest financial resource. Yet, culturally and psychologically, it is often treated as something to preserve rather than deploy. The result is what I call the Asset Accumulation Paradox: People can be asset-rich and cash-flow constrained at the same time, a perfect example of 2 things being true at the same time. That disconnect sits at the heart of much of the retirement anxiety we see today. Where Canada Stands Compared to the United States In some important ways, Canada is better positioned than the United States. The Canada Pension Plan is actuarially reviewed and designed to remain sustainable over the long term. (Source: Office of the Chief Actuary). And according to International Monetary Fund data, Canada’s public debt burden also remains materially lower than that of the United States as a share of GDP. But that does not mean we can afford complacency. Because beneath the surface, there is a growing gap between what Canadians have and what they feel confident using. If we want to improve retirement outcomes, we need to focus less on assigning blame and more on improving design. That means better tools, better guidance, and more open conversations, especially about how to turn assets into income. The warnings coming out of the United States are worth paying attention to. But Canada’s challenge is different. The risk is not that seniors are taking too much.It’s that too many Canadians are living with uncertainty despite having more options than they realize. The challenge now is not simply helping Canadians accumulate wealth. It is helping them use that wealth with greater confidence, flexibility, and security. So, let’s call this what it is. George Will is not entirely wrong. The numbers are real, the fiscal pressure is real, and yes, someone is going to have to deal with it. But the story he’s telling is a blunt instrument in a situation that requires a scalpel. Canada’s retirement challenge isn’t Boomer Luxury Communism. It’s more like Boomer Luxury Paralysis: sitting on a million-dollar asset, terrified to touch it, underspending in the present to guard against a future that may never arrive. FORO doesn’t discriminate by generation. It just quietly rearranges your life until you’re postponing the trip, skipping the furnace repair, and waiting for permission to enjoy the retirement you actually saved for. The good news? The options are better than most people think. The conversation isn’t about giving anything up. It’s about using what you already have. Sue Don't Retire...ReWire! My Book is Now Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for you, a friend or loved one. It's available September 8, 2026 - You can now order on the ECW Press site here. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.
ExpertSpotlight - Ebola: What It Is, How It Spreads, and Whether the Public Should Be Concerned
Few diseases in modern history have generated the level of fear associated with Ebola. With graphic symptoms, high mortality rates, and images of overwhelmed treatment centres etched into public memory, Ebola became synonymous with the dangers of global outbreaks long before COVID-19 reshaped how the world thinks about pandemics. But what exactly is Ebola? Where did it come from? How dangerous is it today? And should the public still be worried? A Deadly Virus with a Modern Legacy Ebola virus disease was first identified in 1976 during simultaneous outbreaks in what is now the Democratic Republic of the Congo and South Sudan. The virus was named after the nearby Ebola River, and from the beginning it proved exceptionally dangerous, capable of causing severe hemorrhagic fever with fatality rates that have ranged from 25 to 90 percent depending on the outbreak and available medical care. For decades, Ebola outbreaks were typically isolated to remote regions of Central and West Africa. That changed dramatically in 2014 when the largest Ebola outbreak in recorded history spread through Guinea, Liberia, and Sierra Leone, infecting more than 28,000 people and killing over 11,000. The crisis exposed major weaknesses in global health preparedness and demonstrated how quickly infectious diseases can overwhelm healthcare systems and destabilize economies and communities. The outbreak also fundamentally changed international public health policy. Governments, hospitals, and health organizations around the world began investing more heavily in infectious disease surveillance, emergency response planning, quarantine procedures, and vaccine development. What Ebola Actually Does to the Body Ebola begins much like many common viral illnesses, which can make early detection difficult. Initial symptoms often include: Sudden fever Severe fatigue Muscle pain Headache Sore throat As the disease progresses, patients may develop: Vomiting and diarrhea Rash Liver and kidney impairment Internal and external bleeding Multi-organ failure The virus attacks the immune system and damages blood vessels and organs, often leading to shock and death in severe cases. Patients who survive can still face long-term complications including joint pain, neurological problems, eye disorders, and ongoing fatigue months or even years later. How Ebola Spreads - And How It Does Not One of the most important public health facts about Ebola is that it does not spread through the air like influenza or COVID-19. Transmission occurs through direct contact with: Blood or bodily fluids of infected individuals Contaminated needles or medical equipment Infected animals Surfaces contaminated with infectious fluids This means Ebola is highly contagious in healthcare settings and among close family caregivers without proper protective equipment, but far less transmissible in casual public settings than many people assume. Funeral practices involving direct contact with deceased individuals have also historically contributed to outbreaks in some regions, making culturally sensitive public health education critically important during containment efforts. Treatments and Vaccines Have Changed the Outlook For years, Ebola was viewed almost as a death sentence. That perception has begun to change. Major advances in medicine and outbreak response have significantly improved survival rates, including: Rapid testing and surveillance systems Specialized isolation units Improved supportive care and hydration Monoclonal antibody treatments Effective vaccines for certain Ebola strains The development of the rVSV-ZEBOV vaccine represented a major breakthrough and has helped contain several recent outbreaks before they expanded into international crises. Global health organizations are now far better equipped to identify and isolate cases quickly compared to the early years of Ebola response. Should the Public Be Worried? Ebola remains a serious and deadly disease, but experts generally emphasize that widespread public panic is not warranted. Most outbreaks remain geographically limited and are aggressively monitored by national governments, the World Health Organization, and international health agencies. Countries with advanced healthcare systems also have far stronger infection prevention and containment capabilities than existed during earlier outbreaks. Still, Ebola continues to command attention because it highlights how interconnected global health has become. International travel, fragile healthcare systems, political instability, climate pressures, and human interaction with wildlife all increase the risk of future outbreaks of emerging infectious diseases. In many ways, Ebola serves as both a warning and a lesson: deadly viruses can emerge unexpectedly, but rapid science, coordinated public health measures, and global cooperation can dramatically reduce their impact. The world’s experience with Ebola helped shape many of the outbreak response systems now used to confront emerging diseases today, and public health experts continue to view it as one of the clearest examples of why pandemic preparedness remains essential. Connect with an expert:
UD experts break down the 2026 World Cup
As the world gears up for the 2026 FIFA World Cup, experts from the University of Delaware are available to provide timely insight on the science, business, and human impact behind the global tournament. Player Safety, Concussions and the Future of the Game Tom Kaminski, professor of kinesiology and applied physiology, is a leading authority on player safety and head injuries. As the sole U.S. representative on FIFA’s Heading Expert Group, Kaminski is helping shape international guidelines around heading in soccer—particularly for youth athletes. He can speak to concussion risks, prevention strategies, and how evolving safety standards are influencing the modern game. Joining him is Tom Buckley, who also specializes in concussion research and athlete health, offering additional perspective on injury trends and recovery in elite competition. The Business of the World Cup: Tourism and Global Impact Matt Robinson from UD’s Lerner College of Business and Economics explores how mega-events like the World Cup drive tourism, economic growth, and global connection. Robinson can discuss how host cities benefit, the long-term economic ripple effects, and how sports act as a powerful unifier across cultures. Youth, Development and the Next Generation of Fans Sara Goldstein brings expertise in adolescent development, offering insight into how traditions with family shape youth identity, social development, and engagement with physical activity. Her perspective is especially relevant for younger audiences experiencing the World Cup through schools and community programs, including UD’s Lab School initiatives. Inside the Game: Sports Analytics in Action With the rise of data-driven performance, UD’s new Sports Performance Analytics major is preparing students to analyze gameplay at the highest level. Martin Heintzelman, department chair, can connect media with program leaders and practitioners including Jack Davis and Christina Rasnake, who are helping students apply real-time analytics to global competitions like the World Cup. The Science Beneath the Game: Playing Surfaces World Cup matches are required to be played on natural grass—a costly and complex requirement, especially for indoor stadiums. Erik Ervin can discuss how turfgrass systems have evolved, the science behind maintaining elite playing surfaces, and the massive investment required to meet international standards. Why Watching Together Matters Amit Kumar studies the psychology of happiness and shared experiences. He can speak to why gathering to watch World Cup matches—whether in stadiums, bars, or living rooms—boosts well-being and strengthens social bonds, making the tournament as meaningful off the field as it is on it. Connect with UD experts to explore every angle of the 2026 World Cup – from the pitch to the people. Email mediarelations@udel.edu to connect with these experts.
Downsizing: The Biggest Retirement Myth We Keep Repeating
I have a friend who announced she was downsizing the way some people announce a move to Tuscany. Lightness. Optimism. A touch of smugness. Six months later, she called me from her condo and whispered, “Sue… I think I bought a very expensive closet with a concierge.” Welcome to downsizing, the most celebrated, most recommended, and most wildly misunderstood retirement strategy in Canada. Like most things that sound simple, it works beautifully until you look a little closer. I spent a decade in the reverse mortgage industry watching this play out. Clients would come in — smart, capable, financially savvy people — who had spent years being told their retirement plan was simple: sell the big house, buy something smaller, pocket the difference, and ride off into the sunset. Many of them were sitting across from me because that plan had not worked the way anyone promised. The advice was decades old. Their lives were not. Two Retirees. Same Strategy. Completely Different Outcomes. Let me introduce you to Carol and Robert, whose stories say everything. Carol did everything right. She sold her long-time home, bought a sleek condo, freed up some equity, and checked every box on the “responsible retirement” list. On paper, it was a perfect move. In practice, she lost her community, her routines, her doctor, and a piece of her identity. She found herself sitting in a condo surrounded by unpacked boxes, wondering how a smart financial decision could feel so much like a personal loss. Robert also did everything right, but his story unfolded differently. He sold his home, moved closer to family, bought something smaller, and banked a meaningful sum. What he gained had very little to do with the numbers. He gained connection, belonging, and a life that felt fuller, not smaller. The strategy was identical. The outcomes were not. That is the uncomfortable myth about downsizing. It is not a formula. It is a life decision disguised as a financial one. The Downsizing Math People Love to Quote For decades, downsizing earned its reputation honestly. Retirement was shorter, often fifteen to twenty years. Pensions were stable. Housing was affordable. Families lived closer together. Selling your home and buying something smaller freed up real capital and meaningfully cut expenses. It was practical, logical, and often the right call. Fast forward to today, and almost none of those conditions still apply. Retirement now runs twenty-five to thirty-five years — a span longer than most people’s careers were when this advice was invented. Defined benefit pensions have largely become a public sector privilege. In the 1970s, 90% of private-sector workers with a workplace pension had a defined-benefit plan. Today, that figure has dropped to roughly 40%, and that’s only among the shrinking share who have any pension plan at all (Canadian Centre for Policy Alternatives, 2025). Housing prices have surged far beyond income growth. Real estate now accounts for over half of household wealth in Canada. Meanwhile, according to Statistics Canada, the average Canadian at sixty-five has approximately $272,000 in retirement savings, while estimates for a comfortable retirement often exceed $1 million. That is not a gap. That is a canyon. This gap turned the family home into something it was never designed to be. Not just a place to live, but a retirement plan. And once that shift happened, we collectively made a convenient assumption: the only way to access that wealth is to sell the house. That assumption is where things begin to unravel. The four assumptions that made downsizing work are no longer as reliable as they once were. 1. Smaller homes are cheaper. In many markets, the opposite is true. Smaller properties often command higher prices per square foot, and retirees now compete with first-time buyers and investors for the same limited inventory. That charming condo may cost nearly as much as the house you just sold. 2. Selling releases meaningful capital. Transaction costs alone can consume eight to twelve percent of the home’s value. Commissions, legal fees, land transfer taxes, moving costs, repairs. What looks like a windfall on paper can shrink dramatically before you ever see the money. 3. New home costs will be lower and more predictable. Condo fees, special assessments, and rising insurance costs tend to quietly escalate. What was supposed to simplify your financial life can quietly complicate it. 4. The process is straightforward. Market timing plays a much larger role than most people realize. Selling in a soft market while buying in a strong one can erode value on both sides. Downsizing is not just a financial decision. It is a transaction with real timing risk. When all four of these assumptions weaken at once, the outcome can be very different from what was promised. And yet, despite the evidence, the advice has not changed. We still tell people to “just downsize,” as though the calendar hasn’t moved since 1987. Nostalgia is not a strategy. The Part Nobody Puts in the Spreadsheet Here is what the financial projections consistently leave out: the emotional weight of this decision is enormous, and most people dramatically underestimate it. We are not talking about a slight reluctance to pack boxes. We are talking about the deep, visceral human attachment to home. The place where you raised your kids, hosted Thanksgiving, walked the dog, and knew every creak in every floorboard. The urge to age in place is powerful, primal, and not remotely irrational. And when we dismiss it with a spreadsheet, we are not being helpful. We are being reckless. And here is the harder truth: to make the numbers actually work, people often need to move two or three hours away into smaller communities where housing is genuinely cheaper. That means leaving your neighbourhood, your friends, your church, your yoga class, your doctor of twenty years, and your very carefully curated hairdresser. (Finding a new hairdresser in a rural town? That is not a life transition. That is a medical emergency.) Re-establishing a full support network in an unfamiliar community is daunting and exhausting work for anyone at any age. It often requires the senior to resume regular driving, something many are quietly hoping to scale back. And then there is healthcare. Access to specialists, familiar family physicians, and hospital services is non-negotiable for most people over sixty-five. It does not figure neatly into a spreadsheet, but it absolutely figures into the decision. I have never once met a senior who said, “You know what, I’m really glad I had to find a new GP at 72.” The urge to stay put almost always wins. Here is something worth sitting with: every older person knows what it is like to be young, but no young person knows what it is like to be old. That asymmetry matters enormously in this conversation. A well-meaning adult child running scenarios on a laptop has never felt the specific, irreplaceable comfort of a neighbourhood they have lived in for thirty years. Really listening — not just problem-solving — can bridge that gap. Because retirement is a family affair. And the families who navigate it best are the ones where everyone feels heard before anyone pulls out a spreadsheet. The Conversation That Actually Needs to Happen Financing retirement is not a binary choice. Downsize or don’t. That framing does everyone a disservice, and spoiler alert: the senior will almost always choose not to downsize. The real question is what happens next, because “stay put and hope for the best” is not a retirement plan. It’s a wish. The more useful conversation is about how to create cash flow while staying put. And that conversation is a minefield if you are not prepared. Here is the first obstacle: suggesting any kind of loan to finance retirement is a spectacular lead balloon. These are people who spent forty years lecturing their kids to pay off their mortgages and eliminate debt. Debt is the villain in their financial story. It is a bug, not a feature. So when you walk in and suggest that borrowing against their home might be the solution, their internal switchboard immediately puts that call on permanent hold. And if you mention a reverse mortgage? The Cybertruck of mortgages. The product everyone has an opinion about and almost no one fully understands. You will get one of two responses: the “talk to the hand” or the look usually reserved for the person who reheats leftover fish in the office microwave. Is some of that resistance rational? Absolutely. But is some of it just fear in a hat — old anxiety dressed up as financial principle? Also yes. This is why the key is to ask, not tell. The moment you lead with a product, you’ve lost the room. Lead with questions instead: • What are your actual cash flow needs? • How are you planning to meet them? • Are you carrying debt that is quietly strangling your monthly budget? • Do you need a lump sum, or do you need more reliable monthly income? The answers look very different, and they lead to very different solutions. If the goal is to free up monthly cash flow, paying off high-interest debt using home equity may deliver an immediate and meaningful result. A home equity line of credit can do that cleanly. If the goal is ongoing income, a reverse mortgage can provide tax-free monthly payments or a lump sum without requiring a move or a monthly repayment. If there is room on the property, a secondary suite or an addition can generate rental income and potentially add long-term value. For those comfortable thinking a few steps ahead, using a reverse mortgage or HELOC to purchase an annuity or a small rental property creates a stream of sustainable income that has nothing to do with square footage. None of these options shows up in the standard “should I downsize?” conversation. They should. The biggest financial mistake most retirees make is not the decision they choose. It’s the options they were never shown. Back to Carol and Robert Their outcomes were not the result of luck or timing. They were the result of alignment. Robert moved toward what he wanted. Carol moved away from what she felt she should. One decision created a sense of expansion. The other created a sense of loss. No spreadsheet captures that distinction. But it is the distinction that matters most. Downsizing is neither inherently good nor bad. It is simply a tool. When it is driven by clear goals, realistic assumptions, and an honest accounting of both the financial and emotional realities, it can be genuinely transformative. When it is driven by habit, pressure, or advice that stopped aging well some time ago, it tends to lead somewhere Carol knows well. So before you follow the script, pause long enough to ask a different question. Not “Should I downsize?” but “What do I actually need, and what are all the ways I can get there?” Retirement is not about having less space. It is about having more life. The right strategy is the one that gets you there without sacrificing everything that makes life worth living in the first place. Your community. Your doctor. Your Sunday routine. Your hairdresser who finally knows exactly what you mean by “just a trim.” Downsizing is a tool. Like a hammer. Enormously useful when you actually need a hammer. Spectacularly unhelpful when what you really need is a different plan. The goal was never to end up with less. It was to end up with enough. Ask better questions. You’ll get better answers. And maybe keep your hairdresser’s number. Sue Don’t Retire…Re-Wire!!! My Book is Now Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for you, a friend, or a loved one. It will be on store shelves on September 8, 2026. You can now order on the ECW Press site here. And if you love supporting Canadian booksellers, please also check with your local independent bookstore.
Remembering the Ludlow Massacre of 1914
Mary Anne Trasciatti, Hofstra University’s director of the Labor Studies Program and professor of rhetoric, is referenced in an article on the website Counter Punch about how a dispute for fair wages and safer working conditions led to the 1914 massacre of 25 miners and family members in Ludlow, Colorado. The author, Robert Forrant, notes that he and Dr. Trasciatti co-edited “Where Are the Workers,” a collection of essays written by labor historians and archivists that explore nationwide efforts to bring the history of labor and working people into mainstream narratives of U.S. history. The Ludlow Massacre, he says, is one of the most dramatic and deadly of those stories.
Ninety-three percent of patients with a new cancer diagnosis were exposed to at least one type of misinformation about cancer treatments, a UF Health Cancer Center study has found. Most patients encountered the misinformation — defined as unproven or disproven cancer treatments and myths or misconceptions — even when they weren’t looking for it. The findings have major implications for cancer treatment decision-making. Specifically, doctors should assume the patient has seen or heard misinformation. “Clinicians should assume when their patients are coming to them for a treatment discussion that they have been exposed to different types of information about cancer treatment, whether or not they went online and looked it up themselves,” said senior author Carma Bylund, Ph.D., a professor and associate chair of education in the UF Department of Health Outcomes and Biomedical Informatics. “One way or another, people are being exposed to a lot of misinformation.” Working with oncologists, Bylund and study first author Naomi Parker, Ph.D., an assistant scientist in the UF Department of Health Outcomes and Biomedical Informatics, are piloting an “information prescription” to steer patients to sources of evidence-based information like the American Cancer Society. The study paves the way for other similar strategies. Most notably, the study found the most common way patients were exposed to misinformation was second hand. “Your algorithms pick up on your diagnosis, your friends and family pick up on it, and then you’re on Facebook and you become exposed to this media,” Parker said. “You’re not necessarily seeking out if vitamin C may be a cure for cancer, but you start being fed that content.” And no, vitamin C does not cure cancer. Health misinformation can prevent people from getting treatment that has evidence behind it, negatively affect relationships between patients and physicians, and increase the risk of death, research has shown. People with cancer are particularly vulnerable to misinformation because of the anxiety and fear that comes with a serious diagnosis, not to mention the overwhelming amount of new information they have to suddenly absorb. While past research has studied misinformation by going directly to the source — for instance, studying what percentage of content on a platform like TikTok is nonsense — little research has looked at its prevalence or how it affects people. The team first developed a way to identify the percentage of cancer patients exposed to misinformation. UF researchers collaborated with Skyler Johnson, M.D., at Huntsman Cancer Institute, an internationally known researcher in the field. The survey questions were based on five categories of unproven or disproven cancer treatments — vitamins and minerals, herbs and supplements, special diets, mind-body interventions and miscellaneous treatments — and treatment misconceptions. The myths and misconceptions were adapted from National Cancer Institute materials and included statements like “Will eating sugar make my cancer worse?” The team surveyed 110 UF Health patients diagnosed with prostate, breast, colorectal or lung cancer within the past six months, a time when patients typically make initial treatment decisions. Most had heard of a potential cancer treatment beyond the standard of care, and most reported they had heard of at least one myth or misconception. The most common sources were close friends or family and websites, distant friends/associates or relatives, social media and news media. The findings mark a shift in misinformation research, with major implications for the doctor-patient relationship, said Bylund, a member of the Cancer Control and Population Sciences research program at the UF Health Cancer Center. “I still think media and the internet are the source and why misinformation can spread so rapidly, but it might come to a cancer patient interpersonally, from family or friends,” she said. Most patients rarely discussed the potential cancer treatments they had heard about with an oncologist, the study also found. Next, the researchers plan to survey a wider pool of patients, then study the outcomes of interventions designed to decrease misinformation exposure, like the information prescription.
When the Cheque Stops Coming: Canada Post, Seniors, and the Quiet Cost of Modernization
There’s an old line that has saved more awkward conversations than most of us care to admit: “The cheque is in the mail.” It has been used to buy time, soften bad news, and occasionally stretch the definition of truth. But it worked because, deep down, everyone believed the premise. The mail would come. Eventually. Reliably. Without negotiation. That quiet assumption carried a surprising amount of weight — especially for the 79-year-old navigating an icy driveway. Now, it seems, even that assumption is up for review. I understand the economic argument. Big Losses: The official Canada Post 2024 Annual Report shows they have racked up $3.8 billion in losses since 2018. Lower Letter Volumes: The shift to email has hit Canada Post hard. Letter volumes have dropped dramatically. Less in the mailbag equals far less revenue to offset costs. Increasing Costs Factors: The number of Canadian addresses continues to grow. The math is not subtle, and change is clearly required. But this deserves more attention. Modernization is not the problem. Thoughtless modernization is. Cuts to Canada Post Service May Not Land Equally Not all Canadians experience change the same way, and this particular shift will land unevenly if proper consultation isn't done. We're getting older: According to Statistics Canada, nearly one in five Canadians is now over the age of 65, and that proportion continues to rise. A meaningful share of those older Canadians also live outside major urban centers. We're spread out geographically: Depending on how you measure it, we're also far apart compared to most other countries. According to the Public Health Agency of Canada & the Vanier Institute of the Family, roughly one-quarter to one-third of seniors live in rural or small communities, where services are more dispersed, and distances are longer. Rural Canada is also aging faster than urban Canada. In other words, the places most likely to lose convenient access are often the places with the highest concentration of people who rely on it. This is not a niche issue. It is a structural one. The Real Issue Isn’t the Mailbox. It’s the Journey. Policy discussions tend to reduce this to a simple question of location. Move the mailbox, problem solved. But the issue is not where the mailbox is. The issue is whether someone can get to it safely, consistently, and without turning a routine task into a risk calculation. I am thinking of a client. She is 79, sharp, organized, and fully in charge of her life. Her bills are paid on time, her paperwork is immaculate, and she has no interest in becoming dependent on anyone. In the summer, she walks daily without a second thought. In the winter, she studies the ground before every step. Ice changes everything. A short walk becomes a decision. A slightly longer one becomes a concern. For her, a community mailbox is not a mild inconvenience. It is a variable she now has to manage. That is the difference between designing for the ideal user and designing for the real one. Mail Still Matters More Than We Pretend There is a quiet assumption that everything important has already moved online. That assumption works well for people who are comfortable navigating digital systems. It does not work for everyone. For many seniors, mail remains the backbone of how they manage their lives. Pension statements, government notices, insurance documents, tax slips, prescription information, and replacement banking cards still arrive in envelopes, not inboxes. And yes, occasionally, an actual cheque. The phrase “the cheque is in the mail” may be fading, but the need behind it has not disappeared. For some Canadians, that envelope still represents income, security, and peace of mind. Digital systems are efficient when they work. When they do not, they can be frustrating and, at times, risky. One expired password or one convincing phishing email can turn a simple task into an afternoon of confusion. It is easy to underestimate the value of paper systems when you no longer rely on them. It is harder to replace them when you still do. Efficiency Has a Way of Moving Downward There is a pattern in modern service design worth naming. Call it effort laundering: the practice of shifting work from institutions to individuals in the name of efficiency. We see it in banking, where branches quietly disappear. We see it in healthcare systems that assume patients are comfortable online. We see it in customer service models built around apps and automated menus. And now we may see it in mail delivery. Where the service moves from your front door to a location you must reach yourself. For many Canadians, this is manageable. For others, it is not. When the burden of efficiency lands on those least able to absorb it, the system may be efficient on paper but inequitable in practice. If Change Is Necessary, It Should Be Smarter I understand that change is necessary. The cost differences between door-to-door delivery and centralized delivery are real, and the financial pressures on Canada Post are not going away. But the choice is not between doing nothing and eliminating access. There is a middle path, and other countries have already explored it. In Norway, proposed postal reforms included reducing delivery frequency to once per week. Following public consultation, the government stepped back earlier this year from that plan and maintained more frequent delivery, recognizing the impact on certain populations (Norwegian Ministry of Transport, 2026). In the United Kingdom, the regulator Ofcom has examined reducing delivery to 5 or even 3 days per week as a way to manage costs while preserving universal service (Ofcom, 2025). Research from Sweden and New Zealand shows that older adults rely more heavily on traditional mail systems than the general population, particularly for official and financial communication (Crew & Kleindorfer, 2012; New Zealand Ministry of Business, Innovation and Employment, 2021). These examples point to a practical conclusion. Reducing frequency can achieve savings without removing access. Eliminating access altogether is a different decision with different consequences. Canada Is Not Denmark Denmark has gone further than most, effectively ending traditional letter delivery after a dramatic decline in mail volumes of roughly 90 percent since 2000. The move is often cited as a model of modernization. It should be considered with caution. Denmark operates within a context of high digital adoption, a compact geography, and milder weather conditions. Notably, Canada’s digital divide among seniors is more pronounced than Denmark’s, meaning the proportion of older Canadians who cannot easily go online is higher to begin with. Even so, a significant number of Danish residents have been classified as "digitally exempt" and continue to rely on alternative arrangements to receive essential communications (PostNord, 2025). Canada is not Denmark. Our geography is larger, our winters are harsher, and our population is more dispersed. Also, we play better hockey. If Home Delivery Changes, People Will Adapt Canadians are remarkably adaptable, and seniors are often the most resourceful of all. If home delivery is reduced, practical solutions will emerge. Neighbours will organize. Families will build mail pickup into regular visits, turning a logistical task into a reason to connect. Some seniors will finally set up paperless billing, one account at a time. These are workable adjustments. But they should be supported by thoughtful policy, not forced by avoidable design choices. The Problem With Accommodation Accommodation programs will likely exist, but their effectiveness depends on how easy they are to access. Systems that require people to search, apply, document their needs, and follow up repeatedly tend to favour those with the time and persistence to navigate them. The seniors who most need support are often the least inclined to engage in that process. The real test is not whether accommodation exists. It is whether it is simple, visible, and available before a problem becomes a crisis. This Is About More Than Mail At its core, this debate is not really about mail. It is about independence. It is about whether people can continue to manage their own lives without unnecessary friction. It is about whether public systems are designed for real users rather than ideal ones. The ideal user is mobile, tech-savvy, and well-supported. The real user may be older, living alone, and quietly determined to remain independent. That determination deserves to be supported, not complicated. Modernization, With a Memory Home delivery is not just a legacy feature. For many seniors, it remains a small but meaningful part of how life stays organized and manageable. When that support disappears, the burden does not disappear with it. It shifts to individuals, to families, and to systems that will eventually feel the impact. If the greatest disruption falls on those least able to absorb it, the design needs a second look. And About That Cheque... We may be moving toward a world where fewer things arrive by mail. That is probably inevitable. But before we retire the idea entirely, it is worth remembering why that old line worked in the first place. “The cheque is in the mail” was believable because the system behind it was dependable. It showed up. It connected people. It did its job quietly and consistently. Modernization should aim for the same thing. Not nostalgia. Not resistance to change. Just reliability that works for everyone. Because if the day comes when the cheque is no longer in the mail, we should at least be able to say that whatever replaces it works just as well for the people who need it most. Ideally, without requiring ice cleats, a flashlight, and a willingness to sign a waiver. Sue Don’t Retire…ReWire! My Book is Now Available for Pre-Order I hope you will consider pre-ordering a copy of Your Retirement Reset for you, a friend or loved one. It's available September 8, 2026 - You can now order on the ECW Press site here. And if you love supporting Canadian booksellers, please also check with your local independent bookstore. Most can easily order it for you.