Experts Matter. Find Yours.
Connect for media, speaking, professional opportunities & more.
Best Places for Families in the U.S.
Dr. Martine Hackett, associate professor and chair of Hofstra’s Department of Population Health was interviewed by WalletHub about the best places in the United States to raise a family and factors to consider when deciding where to plant roots. According to the report, the five top places in the country for families are: Fremont, CA; Overland Park, KS; Plano, TX; Irvine, CA; and South Burlington, VT.
ChristianaCare has once again been recognized by the American Association of Critical-Care Nurses (AACN) for its exceptional complex care. The AACN has awarded the Beacon Award for Excellence to three intensive care units at Christiana Hospital in Newark, Delaware: the Medical Intensive Care Unit (MICU), the Surgical Critical Care Complex (SCCC), and the Transitional Surgical Unit (TSU) Beacon Awards honor critical-care nursing units that demonstrate exceptional patient care, improved patient health outcomes, a supportive work environment and opportunities for collaboration. The Beacon Award is widely considered to be the most prestigious award in critical-care nursing. “The Beacon Award shines a light on individual nursing units for their commitment to providing critically ill patients with exceptional care and evidence-based practices,” said Danielle Weber, DNP, MSM, RN-BC, NEA-BC, chief nurse executive at ChristianaCare. “These awards reflect nursing excellence and commitment to exceptional health outcomes, an outstanding work environment and superior patient experience.” AACN President Jennifer Adamski, DNP, APRN, ACNP-BC, CCRN, FCCM, applauds the commitment of the caregivers at ChristianaCare for working together to meet and exceed the high standards set forth by the Beacon Award for Excellence. These dedicated healthcare professionals join other members of our exceptional community of nurses, who set the standard for optimal patient care. “The Beacon Award for Excellence recognizes caregivers in outstanding units whose consistent and systematic approach to evidence-based care optimizes patient outcomes. Units that receive this national recognition serve as role models to others on their journey to excellent patient and family care,” Adamski said. Consecutive successes Each of these units has received multiple Beacon Awards. • The MICU has been continuously recognized as a Beacon unit since 2009. It is the sixth time that the MICU—Delaware’s first Beacon Award-winning unit—has received the national award, with four silver and two gold recognitions. The unit holds the most Beacon Awards in Delaware. • The SCCC received a silver-level award for the fourth time. • The TSU received a gold-level award for the first time, after receiving two silver-level awards. “For us to be designated for such a consecutive amount of time is a testament to the ongoing, intensive work that we do and the focus on excellence that we have,” said Carol Ritter, MSN, RN, CCRN, CNML, nurse manager for the MICU. “It’s an affirmation of the care that the nurses provide and the excellence that they bring every day, using advanced protocols and the latest technology and research.” Beacon-designated units are renowned for their healthy work environments and high morale, which results in strong relationships among the nurses and outstanding patient care. “Our nurses are committed to providing exceptional care and patient outcomes,” said Amanda Latina, MSN, MBA, RN, TCRN, nurse manager of the TSU and SCCC. “They embody what it means to be a critical-care nurse.” Of the seven Beacon Award-winning patient care units currently in Delaware, all are at Christiana Hospital in Newark. These include the Neuro Critical Care Unit (silver), the Cardiovascular Stepdown Unit 4E (silver), the Cardiovascular Critical Care Complex (three-time gold winner), the Transitional Medical Unit and the 3C Intermediate Medical Unit (both silver).
Expert Perspective: The Hidden Costs of Cultural Appropriation
In our interconnected world, cultural borrowing is everywhere. But why do some instances earn applause while others provoke outrage? This question is becoming increasingly crucial for business leaders who must carefully navigate cultural boundaries. Take the backlash the Kardashian-Jenner family faced for adopting styles from minority cultures or the controversy over non-Indigenous designers using Native American patterns in fashion. These examples highlight the issue of cultural appropriation, where borrowing elements from another culture without genuine understanding or respect can lead to accusations of exploitation. Abraham Oshotse, an assistant professor of organization and management at Goizueta Business School, along with Assistant Professor of Sociology and Anthropology at Hebrew University Yael Berda and Associate Professor of Organizational Behavior at the Stanford Graduate School of Business Amir Goldberg, explores this in their research on “cultural tariffing.” They shed light on why high-status individuals, such as celebrities or industry leaders, often come under fire when crossing cultural boundaries. The Concept of Cultural Tariffing Oshotse and coauthors define cultural tariffing as “the act of imposing a social cost on cultural boundary crossing. It is levied on high-status actors crossing into low-status culture, in order to mitigate the reproduction of the status inequality.” This notion suggests that the acceptance or rejection of cultural boundary-crossing is influenced by the perceived costs and benefits. Cultural appropriation involves taking elements from a culture that one does not belong to, without permission or authority. For example, when Elvis Presley brought African-American music into the mainstream, it was initially seen as elevating the genre. However, in today’s context, such acts might be criticized as appropriation rather than celebration. This research seeks to analyze people’s modern reactions to different examples of cultural boundary-crossing and which conditions induce cultural tariffing. The Hypotheses The researchers make four hypotheses about participants’ reactions to cultural appropriation: People will disapprove of cultural borrowing if there’s a clear power imbalance, with the borrowing group having more status or privilege than the group they are borrowing from. Cultural borrowing is more likely to be criticized if the person doing it has a higher socioeconomic status within their social group. Cultural borrowing is more likely to be criticized if the person doing it has only a shallow connection to the culture they’re borrowing from. Cultural borrowing is more likely to be criticized if the person doing it benefits more from it than the people from the culture they are borrowing from. Put to the Test Oshotse et al exposed respondents to four scenarios per hypothesis (16 total) with a permissible and a transgressive condition. In the permissible condition, subjects exhibit lower status or socioeconomic standing or a stronger connection to the target culture. Subjects in the transgressive condition exhibit a higher status or socioeconomic standing and less of an authentic connection to the target culture. Insights from the Study Oshotse’s study offers four key insights: Status Matters: Cultural boundary-crossing is more likely to generate disapproval if there’s a clear status difference favoring the adopter. Superficial Connections: The less authentic the adopter’s connection to the target culture, the more likely they are to face backlash. Socioeconomic Influence: Higher socioeconomic status within the adopter’s social group increases the likelihood of disapproval. Value Extraction: The more value the adopter gains relative to the culture they’re borrowing from, the higher the disapproval. These insights are crucial for leaders who want to navigate cultural boundaries successfully, ensuring their actions are seen as respectful and inclusive rather than exploitative. Real-World Implications for Business Leaders Why does this matter for business leaders? Understanding cultural tariffing is crucial when expanding into new markets, launching multicultural campaigns, or even managing diverse teams. The research suggests that crossing cultural boundaries without deep understanding or respect can backfire. That’s especially true when the adopter holds a higher socioeconomic status. Consider the example of a luxury brand adopting traditional African patterns without engaging with the communities behind them. In this case, it risks being seen as exploitative rather than innovative. The consequences aren’t just reputational; they can also impact the brand’s bottom line. This research isn’t just about isolated incidents; it mirrors sweeping societal shifts. Over the past 50 years, Western views have evolved to embrace ethnic diversity and multicultural exchange. But with this newfound appreciation comes a fresh set of challenges. Today’s leaders must navigate cultural interactions with greater care, fully aware of the historical and social contexts that shape perceptions of appropriation. In today’s global and interconnected business landscape, mastering the subtleties of cultural appropriation and tariffing is crucial. Leaders who tread thoughtfully can boost their reputation and success, while those who falter may face serious backlash. By understanding the hidden costs of crossing cultural boundaries, business leaders can cultivate authentic exchanges and steer clear of the pitfalls of appropriation. Abraham Oshotse is an assistant professor of organization & management. He is available speak to media regarding this important topic - simply click on his icon now to arrange an interview today.
Have you ever dreamed of being an Olympic athlete? Perhaps you have wondered what it would feel like to stand on that podium in front of the world as your national anthem plays. For most Olympic athletes, the journey begins very early in life. But imagine what it would be like if you started training for this event in your 60s? Read on if you want an edge to discover how to win the Retirement Games and still pass the drug test (let’s face it, peeing is not an issue for many at that age)! Here is your chance to get on the podium at the most crucial game of your life. On Your Marks, Get Set, Ready, Go! Retirement was more like a coffee break five decades ago—brief, predictable, and over before your muffin cooled. In 1975, the average Canadian could expect to live about 73.53 years. Fast forward to 2025; we're clocking in at nearly 83.26 years. Even juicier? The lastest research shows half of today's 20-year-olds in Canada are expected to live past 90. That’s why we need to think of retirement these days, not as a sprint; instead, it’s an ultramarathon with hills, potholes, and the occasional pulled hamstring. Most of us never expected to be training for it in our sixties, but here we are—so pull up your compression socks and move. The starter's pistol is about to fire, whether you're ready or not! Surprise! You're Retired While you may dream of selecting your retirement date like a fine wine, many face the reality of a boxed kind instead. Approximately 6 in 10 Americans retire earlier than they planned. Research from the Transamerica Center for Retirement Studies shows that many individuals experience unexpected early retirement due to personal health issues, employer discretion, or family-related circumstances. https://www.cbsnews.com/news/retirement-age-in-america-62-claiming-social-security-early/ Sometimes, it's a health scare, a loved one’s illness, or a harsh employer downsizing. Nobody whispers the term "ageism," but when companies replace senior employees with younger, more affordable talent (or AI bots), it’s not subtle—it’s math.As Morgan Housel reminds us in his bestseller, The Psychology of Money, "The most important part of every plan is planning for your plan, not going according to plan." Expect the unexpected. Train as if retirement could sneak up on you—because it just might. Get Fit, Stay Sharp: Health is the First Leg of the Race Physical and mental health are the fuel for your retirement. The rest doesn’t matter without them; we’re not just talking about lifting weights. (Though, yes, lift some weights.) Regular physical activity provides numerous benefits for older adults, including a reduced risk of dementia and enhanced cognitive function. Exercise can help maintain brain health, reduce mental decline, and even reverse some age-related brain shrinkage. Additionally, physical activity can improve mood, reduce anxiety, and enhance balance and coordination, leading to a better quality of life. • Strength training enhances bone density, metabolism, and mental health. (Source: Mayo Clinic) • Flexibility and balance? Try yoga or tai chi. Harvard Health says they reduce pain and stiffness. • Mental fitness? Cue up Wordle, Canuckle (the Canadian cousin), or Sudoku. • Dancing? It's beneficial for your brain and your swagger • Listening to music or playing an instrument can reduce stress and boost memory. Gold Medal Tip: Motivation is overrated; action is everything. Don’t be a couch potato. A new study conducted at the University of Pittsburgh School of Medicine shows that older adults who spend more time sedentary — such as sitting or lying down — may be at a higher risk for lower cognition and in areas linked to the development of Alzheimer’s disease, no matter how much they exercise! So make sure you show up, move, and the motivation will catch up. Wealth Training: Stop Hoping, Start Budgeting Here's a shocker: Retirement doesn't mean your expenses magically disappear. According to Steve Willems' podcast “10 Retirement Myths You May Not Want to Believe,” most retirees don’t spend less. Aside from the mortgage, spending remains surprisingly consistent, especially during the Go-Go years (ages 55-75)”. We like what we like: groceries, entertainment, travel, and stylish or comfortable clothes are still on our shopping lists. That’s why many of us in retirement will need to pay more attention to spending and budgeting. Check Obligation Spending Retirement is the perfect time to reevaluate expenses from obligation rather than genuine need or joy. Here's a thoughtful way to frame that idea: Retirement is the season of freedom, so why are you still paying for things that feel like a burden? Now that you’re no longer earning a regular paycheck, every dollar matters more than ever. This means it’s time to take a closer look at obligatory expenses. These might include: • Helping adult children financially (even when it stretches your budget) • Donating to every fundraiser or cause just because someone asked • Hosting large family gatherings that leave you exhausted and over budget • Maintaining memberships, subscriptions, or traditions that no longer bring you joy. (We talk a lot more about this in a previous post What’s your Retirement Plan B While generosity is admirable, it shouldn’t jeopardize your financial security or peace of mind. Retirement should focus on investing in what truly matters to you now, rather than keeping up appearances or adhering to outdated expectations. Here’s a gentle mantra to adopt: “I’ve earned the right to say no with love and confidence.” Freeing yourself from obligation spending doesn’t mean becoming stingy; it means becoming intentional. Give where your heart feels full, not where your guilt feels heavy. After all, you didn’t work all those years to keep writing checks out of habit. Balance Beam- Budget What’s your plan when overtime isn’t an option and the budget doesn’t balance? Start with a good old-fashioned reality check: • Write down ALL expenses. • Tally up your income. • Look for a surplus (yay, trip!) or a shortfall (boo, time to pivot). Look at Canadian Government Pensions • Here's the math. Old Age Security (OAS): Max is about $713/month or $8,556/year. And don’t forget the dreaded government clawback (formally known as the Old Age Security Pension Recovery Tax which starts at ~$90,997. • Canada Pension Plan (CPP): The average monthly payment is $758, while the maximum is $1,364 per month or $16,368 per year. So with these two programs combined, provided you meet requirements, as a senior, you're looking at somewhere between $17,000–$25,000/year before tax. If your lifestyle needs a bit more jazz hands, here’s how to bridge the gap: DIY Income Builders: • Slash debt. Every dollar you don't spend is one you keep. • Downsize and bank the equity. • Buy or build an ADU and rent it. I have written more about ADU's here. • HELOC or Reverse mortgage (borrow strategically). • Withdraw from investments (4% rule). • Monetize your skills: consulting, tutoring, or writing that novel you started in 1993. Gold Medal Tip: Track your joy per dollar. If you’re going to spend, make it worth it. Rewire, Don’t Retire: Finding Purpose The biggest myth of retirement? That doing nothing feels good forever. (Spoiler alert: it doesn’t.) Passion is your GPS. It guides you towards what fills your heart. Whether you write poetry, walk dogs, or paint birds wearing tiny hats, your joy matters. And legacy? That’s just purpose with staying power. There’s science to support the benefits of this lesson. A study in JAMA Psychiatry found that people with a sense of purpose had a lower risk of mortality and disability Purpose-Driven Paths: • Volunteer: Look for a cause that fires you up. • Get a part-time job: Perhaps you can fill in at a local bookstore, garden center or be a barista? • Hobbies: Take up painting, pottery, or poetry. • Go Back to School: Many Universities such as The University of Toronto offer free, non-credit courses through programs as part of their community outreach. Seniors (over 60) enrolled at York University may have all or part of their academic fees waived at the domestic fee rate for York University degree credit courses as part of their mature student program. • Spend real time with people you love, maybe your grandkids or elderly parents. • Reconnect with old friends – not just on Facebook, but in person • Get out of your backyard and see the world Gold Medal Tip: You're never too young (or too old) to chase what lights you up. Start a business, get that degree you always wanted, and write that book. Go. For. It. Support: No One Trains Alone Retirement can be lonely. As we age, friends pass, routines fade, and isolation creeps in. That’s why your squad matters more than ever. Find Your Pod: • Family & Friends: Set expectations. Ask for help. Host Sunday dinners. Stay connected. • Fitness & Social Clubs: Join a walking group or participate in a gym class, followed by regular post-sweat coffee. • Faith Communities: Spirituality and structure in one. Sing in the choir. Serve at events. • Third Places: As sociologist Ray Oldenburg says, these are neutral hangouts like libraries, community centers, or your local café. They’re tied to lower loneliness and better mental health. Think of Cheers: “Where everyone knows your name!” Gold Medal Tip: Your local pickleball court or knitting circle might just be your new training ground. Attitude Training: Stop Acting Your Age Here’s a radical thought: Maybe we feel old because we act old. Want to stay young? Stay curious, try new things. Try line dancing, pickleball, bird watching, improv, or learning to code. Yes, code. What was the worst advice our mothers gave us? “Act your age.” Nonsense! Whoever said, “You’re only as old as you feel” was on to something – but let’s take it up a notch: How about you’re only as old as your playlist! The Power of a Youthful Attitude in Retirement A successful retirement isn’t just about savings accounts and spreadsheets — it’s about mindset. A positive, youthful attitude is one of the most powerful (and overlooked) assets you can carry into retirement. Even if you don’t feel youthful or optimistic, “fake it ‘til you make it” is more than just a catchy phrase—it’s a strategy. The goal isn't to accurately describe your aches, fears, or fatigue but to set yourself up for success! Science backs it up: a positive outlook boosts health, sharpens cognition, and increases longevity. From a practical perspective, optimism makes it easier to try new things, adapt to change, and enjoy the present—all essential in retirement. So, if the voice in your head says, “I’m too old for that,” try responding with, “This is my time.” You begin to build because what you tell yourself matters, as does what you believe. Retirement is your reward. Approach it like the vibrant, capable, unstoppable human you are because attitude, not age, sets the tone. Gold Medal Tip: You’re only as old as the last thing you tried for the first time. Try something ridiculous, I double dare you! Final Stretch The Retirement Games are here, and let me be crystal clear: this isn’t amateur hour. This is your Olympic moment, with medals awarded for stamina, strategy, and a solid sense of humour. Whether you're rounding the first turn at 45 or doing your victory lap at 75, now is the time to train. You’ve built strength, stretched your budget, flexed your purpose muscle, assembled your dream team, and rebooted your mindset. Now it’s time to lace up, lean in, and live life to the fullest. This isn’t about perfection; it’s about preparation. You won’t achieve a podium finish through wishful thinking; you’ll attain it through action, adaptation, and a great deal of repetition. So, put on your metaphorical tracksuit (or actual tracksuit if it's laundry day) and begin training with determination. The gold medal retirement isn’t just possible—it’s within reach. Cue the confetti cannon. You’re not just aging—you’re advancing. And champions, as we know, don’t retire… they rewire, recharge, and rewrite the playbook. On Your Marks, Get Set, THRIVE! Don’t Retire … Re-Wire! Sue
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.retirementliteracy.com to start rewriting your next chapter with clarity and confidence.
Hurricane Preparedness Week reminds everyone to plan ahead
Hurricane season officially begins June 1, and now is the time to get ready for potential storms. Hurricane Preparedness Week, observed May 4 to 10, is a reminder for Louisiana residents to review their emergency plans, strengthen their homes, and prepare their families before a major storm arrives. “Preparedness saves lives, protects property and reduces recovery time,” said Carol Friedland, director of the LSU AgCenter LaHouse Research and Education Center. “By taking a few proactive steps now, families can be better protected during hurricane season.” Even though hurricane season does not begin for another month, starting your preparation now can save time and hassle later. The following are good projects you can start in the coming weeks to prepare for severe weather: Create and practice a family emergency plan and make sure it has updated contact information and evacuation information. Assemble an emergency supply kit or go through your existing kit to make sure nothing is expired or missing. Update it to make sure your entire family, including your pets, will have supplies during an evacuation. Review insurance coverage and understand flood risks. Some companies or policies have a waiting period before your coverage begins, so contact your agent or representative now. Strengthen your home against high winds and flooding. Do an overview of your home’s exterior and note any areas that look like they need repairs, like patches of missing shingles. Repairing these smaller problems now can reduce the likelihood of your home experiencing more severe damage during a storm. “Taking the time to check your home and yard early and getting bigger projects or repairs started ahead of hurricane season can save you a lot of stress later, especially when materials become harder to find right before a storm,” said Rubayet Bin Mostafiz, assistant director of research at LaHouse. Don’t wait until a storm is in the forecast. Start preparing today. Visit www.LSUAgCenter.com/LaHouse for more information, downloadable preparedness publications, and guidance tailored to Louisiana homes and families. The LaHouse Research and Education Center is dedicated to providing science-based solutions to improve home resilience, sustainability, and health. Through research, extension and education, LaHouse seeks to address the challenges of severe weather, with a particular focus on helping Louisiana residents protect their homes and communities from natural disasters. Article originally posted here.
From Saver to Spender: Navigating the Retirement Mindset Shift
Let’s start with a familiar—and slightly ridiculous—scene: a retired couple with $750,000 safely tucked away in investments, quietly nibbling no-name tuna on toast while muttering, “We just can’t afford steak anymore.” Sound absurd? Sadly, it’s not fiction. Despite having ample savings, many retirees live with perpetual financial anxiety, clinging to their nest egg as if it were their last roll of toilet paper during a pandemic. Meanwhile, they try to survive solely on government pensions, making life unnecessarily stressful and, let’s face it, a bit joyless. I've wrestled with this as someone who entered retirement earlier than expected. Years in finance taught me how to budget, invest, and plan, but transitioning from saving to spending required a whole new mindset. I learned quickly that being financially “prepared” doesn’t mean you’re emotionally or psychologically ready to spend. So, what’s going on here? The Hypothesis: Individuals Prefer Spending Income Rather Than Saving Retirees prefer spending income (pensions or annuities) rather than withdrawing from savings or investment accounts. This isn’t just a quirky behavioural trend—it’s a deeply ingrained bias, and neuroscience supports it. Research by Michael S. Finke, a professor at The American College and noted researcher in retirement economics, revealed that retirees tend to spend most of their guaranteed income but only withdraw about half of their savings. In his words: “Retirees spend lifetime income, not savings.” The implication is clear: it’s not about how much money you have but how it feels to use it. This is partly due to what behavioral economists call “mental accounting.” We categorize our money into imaginary buckets: income is for spending, and savings are for safekeeping. Unfortunately, this can lead to financially irrational and highly risk-averse behaviors, such as eating cat food while having six figures in a TFSA. The Neuroscience of Spending Fear Add a little neuroscience, and the story deepens. As we age, changes in the brain, particularly in the prefrontal cortex, can affect how we assess risk and manage uncertainty. This can lead to: • Increased loss aversion: We more acutely feel the pain of spending or loss. • Decision paralysis: We delay or avoid withdrawals, even when reasonable. • Heightened anxiety about the future: We fear running out more than we enjoy spending in the present. This Fear of Running Out (FORO), which I’ve written about in a previous post, keeps many retirees in a defensive crouch, emotionally hoarding their savings rather than using them to enrich the years they worked so hard to reach. It’s no wonder money stress impacts us so deeply—our brains are wired that way. From an evolutionary perspective, our minds are designed to fear scarcity because running out of resources once posed a real danger. When we perceive that threat today, whether it’s a dip in our investments or rising grocery bills, our brain shifts into fight-or-flight mode and begins releasing cortisol—the stress hormone that heightens our anxiety. Then our amygdala, that little alarm system in our brain designed to protect us from danger, can’t differentiate between a financial crisis and a sabre-toothed tiger. So, it reacts similarly, nudging us toward quick, often irrational decisions. Sometimes that means freezing and doing nothing; other times, it leads to panicking and regretful choices. Understanding how our brains function under financial stress allows us to step back, breathe, and make better, calmer decisions—ones that serve us, not scare us. Retirement can be wonderfully freeing—no more commutes, no more meetings—but let’s be honest: it also comes with a significant shift in financial responsibility. Without that steady paycheck, it’s completely normal to feel uneasy about how you'll manage your money, especially when unexpected expenses arise. Sure, there are mindset tools and mental prep strategies that can help ease that existential “What now?” feeling before retirement. But let’s be specific—here are the real, concrete financial stressors that keep many retirees awake at night: • Not Enough Income: One of the biggest fears? Your savings won’t stretch far enough to support the life you want—or handle surprises. • Healthcare Costs: As we age, medical expenses climb. It’s not just the big stuff, either. Even prescriptions and dental bills can blow a hole in your budget. • Market Ups and Downs: A stock market dip can uniquely affect retirees. Observing your investments fluctuate can cause genuine anxiety regarding your income, especially in today’s “trade war” environment. • Inflation: We all feel it. The gradual rise of higher prices erodes your purchasing power, making that carefully saved nest egg feel less secure. • Living Longer Than Planned: It's both a blessing and a challenge. If you're healthy and living well into your 90s (and many do), the big question becomes: will your money last as long as you do? Here’s the good news: when you acknowledge these risks and build a plan around them, you exchange fear for control. And with power comes clarity, confidence, and significantly less stress. That’s when you can truly enjoy retirement—on your terms. How to Flip the Script: Make Savings Feel Like Income So, how can retirees overcome this psychological hurdle? Here are 3 powerful strategies: 1. Create Artificial Income Streams Turn a portion of your savings into predictable, automatic income. This could mean: • Setting up regular monthly withdrawals from an RRIF • Purchasing an annuity • Utilizing a bucket strategy, in which one portion of savings is maintained in a cash-like account to replicate a paycheck When money shows up like a salary, you’re more likely to feel permission to spend it. 2. Use Home Equity as a Back-Up Income Source A secured line of credit (HELOC) or a reverse mortgage can serve as a “Plan B” or income buffer. Knowing that the funds are available can alleviate anxiety, whether you use them or not. 3. Involve Family in Income Planning Sometimes, the best way to reframe a spending decision is through conversation. Adult children or trusted advisors can help develop a spending strategy that feels both secure and reasonable. Families can be invaluable in helping you design: • Emergency funding plans for unexpected expenses like healthcare • Gifting strategies (Want to help the kids or grandkids? Do it while you’re alive to see the joy!) • Income simulations replacing a regular paycheck Open conversations can also help uncover mismatched expectations. For instance, some older adults worry that spending their savings will leave less of an inheritance for their children, which might cause disappointment. But in many cases, their children would much rather see their parents use that money to care for themselves and enjoy their retirement years. The great irony of retirement? The hardest part isn’t building wealth; it’s allowing yourself to enjoy it. So, let’s retire the notion that frugality is forever. Replace the guilt of spending with the confidence of an income strategy. And if you're facing your savings with trepidation, remember: cat food may be a pantry staple for your pet, but it’s no reward for 40 years of hard work. Retirement isn't merely a financial phase—it’s a shift in mindset. That shift begins when we stop hoarding and start living.
An Expert Guide to the Papacy and Pope Francis
The death of Pope Francis marks a pivotal moment for the Catholic Church, ending a papacy that redefined the Church's relationship with the modern world. As the College of Cardinals prepares to gather in conclave, Catholics across the globe are closely watching to see whether the next pontiff will build upon Francis' legacy or chart a new course. The following experts are available to provide insight into a range of related topics, including Pope Francis' enduring impact and what lies ahead for the world's 1.4 billion Catholics: Massimo Faggioli, PhD Professor, Theology and Religious Studies Dr. Massimo Faggioli is a world-renowned expert on the history and administrative inner workings of the Catholic Church, with specific expertise in the papacy, Vatican II, the Roman Curia, liturgical reform, new Catholic movements and Catholicism and global politics. As quoted on NPR: "Historically, we see in different conclaves a certain swinging of the pendulum. What the conclave and the next pope cannot do is to ignore and deny the changing features of global Catholicism, which is much less European, much less white, less North American and more Global South..." Kevin Hughes, PhD Chair, Theology and Religious Studies Dr. Kevin Hughes is a leading historical theologian, offering insights into the life, legacy and impact of Pope Francis. He can also speak to the significance of the pope in Catholicism and the influence of his teachings on the global Catholic Church. As quoted on Scripps News: "[Pope Francis' selection] was really the Church extending beyond the limits of its European imagination. His Latin American identity was really crucial to embracing a new moment within the Church and opening the door in so many ways, and I think he bore witness to that throughout his papacy." Jaisy Joseph, PhD Assistant Professor, Systematic and Constructive Theology Dr. Jaisy Joseph is a trained ecclesiologist, able to address a wide range of topics relating to the papacy, conclave process and Catholic Church. Previously, she has commented on the Church's presence in Asia and the Global South, offering expert commentary on its growth, challenges and shifting influence. As quoted by ABC News Digital: "[The election of someone from the Global South would be] a move in that direction of how to be a global church. That move from a Eurocentric church to a truly global church—I think that's what Francis really inaugurated." Patrick Brennan, JD Professor of Law; John F. Scarpa Chair in Catholic Legal Studies Professor Patrick Brennan is an expert on the conclave process and the main rules that govern it. He can also speak to topics such as the contemporary and historical importance of secrecy in the conclave, what the cardinals may be looking for in the next pope and the factors that cause similarities and differences from one conclave to the next. As quoted on Fox 29's Good Day Philadelphia: "The purpose of the general congregation is for the cardinals, who don't know each other in some cases, to get to know each other better as they learn about the current state of the Church and together decide on the needs of the Church and priorities for the new pontificate." Brett Grainger, ThD Associate Professor, Study of Spirituality and American Religious History Dr. Brett Grainger is a go-to source for discussions of the changing face and role of modern spirituality in America. He serves as an expert on contemporary religious trends and can also speak to the broader public reaction to Pope Francis' passing, especially outside of the Catholic faith. As quoted by Courthouse News Service: "People are disaffiliating from a tradition—that doesn't necessarily mean in fact that they don't believe in God anymore...What's more important is 'Is this giving me life? Is this making my life more meaningful? Is this giving me the kind of energy and purpose that I'm looking for?' That's where religion is going." Michael Moreland, JD, PhD Professor of Law and Religion; Director, Eleanor H. McCullen Center for Law, Religion and Public Policy Dr. Michael Moreland is a renowned scholar of constitutional law, religious freedom, public policy and ethics. He can provide expert commentary on items related to the Catholic right and the state of religious politics in the United States. As featured on NBC News Digital: Michael Moreland said the mass appeal of "Conclave" captured how, even in a secular modern age, there is still pervasive intrigue around "the ancient rituals of the Catholic Church." "The significance of the theological and spiritual aspects of Catholicism and this process of electing a pope was kind of reduced into partisan politics," he said. Ilia Delio, OSF, PhD Josephine C. Connelly Endowed Chair in Christian Theology Sr. Ilia Delio addresses topics in her work such as theology and evolution, technology and human becoming and understandings of Catholicity in a world of complexity. She can provide expert insight into Laudato si', Pope Francis' position on the environment, the relationship between science and religion and integral ecology. As featured in the National Catholic Reporter: "We are clearly an Earth in crisis," with a reversal necessary to secure a sustainable future, said Ilia Delio... Delio posed a series of questions: about the relationship between religion and science; what Laudato si', and Christianity more broadly, can offer ecological movements; and whether the concept of kinship or creation as family might better reflect humanity's place within nature than "care for creation." To speak with any of these media experts, please contact mediaexperts@villanova.edu.
Digital Dementia: Does Technology Use by ‘Digital Pioneers’ Correlate to Cognitive Decline?
As the first generation that interacted with digital technology reaches an age where dementia risks emerge, scientists have asked the question: Is there a correlation between digital technology use and an increased risk of dementia? With the phrases “brain rot” and “brain drain” circulating on social media, it would appear that most people would assume the answer is yes. However, a new study in Nature Human Behavior by neuroscientists at Baylor University and the University of Texas at Austin Dell Medical School reveals the opposite – digital technologies are actually associated with reduced cognitive decline. The study – A meta-analysis of technology use and cognitive aging – was sparked by the ongoing concern about the passive activity of digital technologies and their relation to accelerating risks of dementia. Study co-authors are Jared F. Benge, Ph.D., clinical neuropsychologist and associate professor of neurology at Dell Medical School and UT Health Austin’s Comprehensive Memory Center within the Mulva Clinic for the Neurosciences, and Michael K. Scullin, Ph.D., associate professor of psychology and neuroscience at Baylor. “You can flip on the news on just about any day and you’ll see people talking about how technologies are harming us,” Scullin said. “People often use the terms ‘brain drain’ and ‘brain rot,’ and now digital dementia is an emerging phrase. As researchers, we wanted to know if this was true.” The “digital dementia” hypothesis predicts that a lifetime of exposure to digital technology will worsen cognitive abilities. On the contrary, the study’s findings challenge this hypothesis, indicating instead that engagement with digital technology fosters cognitive resilience in these adults. Reviewing more than 136 studies with data that encompassed over 400,000 adults, and longitudinal studies with an average of 6 years of follow-up data, Scullin and Benge found compelling evidence that digital technology use is associated with better cognitive aging outcomes, rather than harm. The researchers’ study supported the “technological reserve” hypothesis, finding that digital technologies can promote behaviors that preserve cognition. In fact, their study revealed that digital technology use correlates with a 58% lower risk of cognitive impairment. This pattern of cognitive protection persisted when the researchers controlled for socioeconomic status, education, age, gender, baseline cognitive ability, social support, overall health, and engagement with mental activities like reading that might have explained the findings. Increase in problem-solving skills Scullin said that for some, these findings are surprising as technology use is often associated with being sedentary both physically and mentally. However, for the current generation of older adults who were introduced to the first technological advancements – computers, the Internet and smartphones – past their childhood, using technology is cognitively challenging because it is everchanging. “One of the first things that middle-age and older adults were saying is that ‘I’m so frustrated by this computer. This is hard to learn.’ That's actually a reflection of the cognitive challenge, which may be beneficial for the brain even if it doesn’t feel great in the moment.” Scullin said. Technology requires constant adaption, he said, such as understanding new software updates, troubleshooting Internet loss or filtering out website ads. “If you’re doing that for years and you’re really engaging with it, even though you might experience frustration, that may be a sign of you exercising your brain,” he said. Social connection Technology also enables communication and engagement like never before, which can expand opportunities for connectivity. Video calls, emails and messaging apps help maintain social networks, especially for people who would not otherwise regularly see their family members. “Now you can connect with families across generations,” Scullin said. “You not only can talk to them, you can see them. You can share pictures. You can exchange emails and it's all within a second or less. So that means there's a greater opportunity for decreasing loneliness.” Better social connectedness is a well-documented correlate of cognitive functioning in older adults, providing a link between decreased isolation from digital technologies and reduced risks of dementia. Impact of “digital scaffolding” A dementia diagnosis is indicated in part when cognitive changes lead to a loss of independence with daily tasks. Tools such as digital reminders, GPS navigation and online banking allow older adults to remain independent despite cognitive difficulties through digital scaffolding. According to the research article, this digital scaffold “facilitates better functional outcomes in older adults while general cognitive functioning declines.” Technologies can serve as a compensatory support system to maintain general independence and reduce the risk of a dementia diagnosis even with the presence of some cognitive decline. “As clinical practice continues to move toward an individualized, precision-medicine approach, it will be necessary for the field to identify for whom and for how long, such digital scaffolding is effective,” the researchers said. Promoting healthy technology use While Scullin recognizes the negative effects of technology, such as distracted driving or using technology over consistent face-to-face interaction, he also emphasizes how promoting a healthy use of digital tools in older adults is beneficial for their cognitive health. “If you have a parent or grandparent who’s just staying away from technology, maybe revisit that. Could they learn to use photo, messaging, or calendar apps on a smartphone or tablet? Start simple and be very patient while they learn,” he said. Social media use is another highly debated topic in terms of cognitive effects. While he says it’s hard to predict the cognitive effects of endlessly scrolling on TikTok, Scullin does argue that generating videos through creative cognition could be beneficial. In addition, he said that interacting with communities online can provide benefits by forming social connections. “We could spend a long time talking about all the specific ways in which technology use can be bad. However, the net effect since the 1990s has been positive for overall cognition in older adults,” he said. FUNDING The study was supported by funding from the National Institutes of Health (R01AG082783; M.K.S., J.F.B.). Michael Scullin was named Baylor’s inaugural Newsmaker of the Year in 2018, after his “to-do list” research was widely covered by media outlets, including ABC’s Good Morning America, TODAY.com, USA TODAY, Discover, LiveScience, HealthDay, BBC Radio and many more, reaching an international circulation and viewership of nearly 1 billion people. Looking to interview or chat with Michael Scullin? Simply click on his icon now to arrange an interview today.
Easter and different ways it is celebrated around the world
Easter, one of the most widely observed holidays around the world, carries deep religious, cultural, and seasonal significance. While rooted in Christian beliefs about resurrection and renewal, Easter’s origins also intersect with ancient springtime rituals and diverse regional customs. Its observance today varies greatly—from solemn liturgies to vibrant festivals and public holidays—offering rich opportunities to explore faith, tradition, and identity across cultures. As interest in global connectivity and interfaith understanding grows, Easter serves as a lens through which to examine broader questions of cultural expression and shared human experience. Journalists may find compelling story angles in topics such as: The religious roots of Easter and how they connect to ancient pagan spring festivals Diverse Easter traditions around the world—from egg rolling in the U.S. to Semana Santa processions in Spain The commercialization of Easter and its impact on modern observance How Easter is celebrated across different Christian denominations and interfaith communities The symbolism of rebirth and renewal across cultures and its relevance in today’s world The role of Easter in shaping seasonal food, fashion, and family rituals This holiday invites storytelling that spans continents and centuries, illuminating the ways tradition evolves while preserving meaning. Connect with an expert about Easter: To search our full list of experts visit www.expertfile.com
