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The History of Government Shutdowns in America

Few events capture Washington gridlock more visibly than a government shutdown. While rare in the nation’s early history, shutdowns have become a recurring feature of modern politics—bringing uncertainty for federal workers, disruptions to public services, and ripple effects across the economy. How It Started The modern shutdown era began in the 1970s after a new law, the Congressional Budget and Impoundment Control Act of 1974, established a formal budget process. Before then, funding disputes didn’t usually halt operations. But a key shift came in 1980, when the Carter administration’s Justice Department concluded that, without approved appropriations, agencies had no legal authority to spend money. That ruling set the stage for shutdowns as we know them today. Since then, the U.S. has endured more than 20 funding gaps, ranging from brief lapses over a weekend to the record-long 35-day shutdown of 2018–2019. Each one has highlighted the partisan battles over federal spending, immigration, healthcare, or other policy priorities. Why They Happen Shutdowns occur when Congress fails to pass, and the president fails to sign, appropriations bills or temporary funding measures known as continuing resolutions. In practice, they reflect deeper political standoffs: one branch of government using the threat of a shutdown to force concessions on controversial issues. They can be triggered by disputes over budget size, specific programs, or broader ideological fights. In many cases, the standoff ends when mounting political and economic costs make compromise unavoidable. What Gets Impacted The effects of a shutdown are immediate and wide-ranging: Federal Workforce: Hundreds of thousands of employees are furloughed without pay, while others deemed “essential” must work without immediate compensation. Public Services: National parks close, permits stall, museums shutter, and routine government operations—from food inspections to scientific research—are delayed. Economic Ripple Effects: Contractors lose revenue, local economies near federal facilities take a hit, and financial markets often react nervously. Extended shutdowns can even slow GDP growth. Citizens’ Daily Lives: From delayed tax refunds to halted small business loans, ordinary Americans feel the squeeze when government services pause. Why This Matters Government shutdowns are more than political theater—they expose the fragility of the budget process and the real consequences of partisan impasse. They highlight the dependence of millions of Americans on public services and raise questions about the cost of dysfunction in the world’s largest economy. Understanding why they happen and what’s impacted helps citizens gauge not just the politics of Washington, but also how governance—or the lack of it—touches everyday life. Connect with our experts about the history, causes, and consequences of government shutdowns in America. Check out our experts here : www.expertfile.com

University Communications Needs a Bigger Role in the Research Conversation

While attending the Expert Finder Systems International Forum (EFS), several notable themes emerged for me over the 2-day event. It's clear that many universities are working hard to improve their reputation by demonstrating the real-world impact of their research to the public and to funders, but it's proving to be a challenging task - even for the largest R1 universities.  Many of these challenges stem from how institutions have traditionally organized their research functions, management systems, and performance metrics.  Engaging faculty researchers in this process remains a significant challenge, despite the need for rapid transformation. While this EFS conference was very well-organized and the speakers delivered a great deal of useful information, I appeared to be one of the few marketing and communications professionals in a room full of research leaders, administrative staff, librarians, and IT professionals. There's a certain irony to this, as I observe the same phenomenon at HigherEd marketing conferences, which often lack representation from research staff.  My point is this. We can't build better platforms, policies, and processes that amplify the profile of research without breaking down silos.  We need University Communications to be much more involved in this process. As Baruch Fischhoff, a renowned scholar at Carnegie Mellon University, notes: Bridging the gap between scientists and the public “requires an unnatural act: collaboration among experts from different communities” – but when done right, it benefits everyone.  But first, let's dive in a little more into RIM's and Expert Finder Systems for context. What are Research Information Systems (RIMs) Research Information Management systems (aka Expert Finder Systems) are the digital backbone that tracks everything researchers do. Publications, grants, collaborations, patents, speaking engagements. Think of them as massive databases that universities use to catalog their intellectual output and demonstrate their research capacity.  These systems matter. They inform faculty promotion decisions, support strategic planning and grant applications, and increasingly, they're what institutions point to when asked to justify their existence to funders, accreditors, and the public. But here's the problem: most RIM systems were designed by researchers, for researchers, during an era when academic reputation was the primary currency. The game has fundamentally changed, and our systems haven't caught up. Let's explore this further. Academic Research Impact: The New Pressure Cooker Research departments across the country are under intense pressure to demonstrate impact—fast. State legislators want to see economic benefits from university research. Federal agencies are demanding clearer public engagement metrics. Donors want stories, not statistics. And the general public? They're questioning whether their tax dollars are actually improving their lives. Yet some academics are still asking, “Why should I simplify my research? Doesn’t the public already trust that this is important?” In a word, no – at least, not like they used to. Communicators must navigate a landscape where public trust in science and academia is not a given.  The data shows that there's a lot of work to be done. Trust in science has declined and it's also polarized:. According to a Nov. 2024 Pew Research study, 88% of Democrats vs. 66% of Republicans have a great deal or fair amount of confidence in scientists; overall views have not returned to pre-pandemic highs and many Americans are wary of scientists’ role in policymaking. While Public trust in higher education has declined, Americans see universities having a central role in innovation. While overall confidence in higher education has been falling over the past decade, a recent report by Gallup Research shows innovation scores highest as an area where higher education helps generate positive outcomes. Communication is seen as an area of relative weakness for scientists. Overall, 45% of U.S. adults describe research scientists as good communicators, according to a November 2024 Pew Research Study. Another critique many Americans hold is the sense that research scientists feel superior to others; 47% say this phrase describes them well. The traditional media ecosystem has faltered:. While many of these issues are largely due to research being caught in a tide of political polarization fueled by a significant rise in misinformation and disinformation on social media, traditional media have faced serious challenges.  Newsrooms have shrunk, and specialized science journalists are a rare breed outside major outlets. Local newspapers – once a reliable venue for highlighting state university breakthroughs or healthcare innovations – have been severely impacted. The U.S. has lost over 3,300 newspapers since 2005, with closures continuing and more than 7,000 newspaper jobs vanished between 2022 and 2023 according to a Northwestern University Medill Report on Local News. Competition for coverage is fierce, and your story really needs to shine to grab a journalist's attention – or you need to find alternative ways to reach audiences directly.  The Big Message These Trends are Sending We can’t just assume goodwill – universities have to earn trust through clear, relatable communication. Less money means more competition and more scrutiny on outcomes. That's why communications teams play a pivotal role here: by conveying the impact of research to the public and decision-makers, they help build the case for why cuts to science are harmful. Remember, despite partisan divides, a strong majority – 78% of Americans – still agree government investment in scientific research is worthwhile. We need to keep it that way. But there's still a lot of work to do. The Audience Mismatch Problem The public doesn't care about your Altmetrics score. The policymakers I meet don't get excited about journal impact factors. Donors want to fund solutions to problems they understand, not citations in journals they'll never read. Yet our expert systems are still designed around these traditional academic metrics because that's what the people building them understand. It's not their fault—but it's created a blind spot. "Impact isn't just journal articles anymore," one EFS conference panelist explained. "It's podcasts, blogs, media mentions, datasets, even the community partnerships we build." But walk into most research offices, and those broader impacts are either invisible in the system or buried under layers of academic jargon that external audiences can't penetrate. Expert systems have traditionally been primarily focused on academic audiences. They're brilliant at tracking h-Index scores, citation counts, and journal impact factors. But try to use them to show a state legislator how your agriculture research is helping local farmers, or explain to a donor how your engineering faculty is solving real-world problems? There's still work to do here. As one frustrated speaker put it: "These systems have become compliance-driven, inward-looking tools. They help administrators, but they don't help the public understand why research matters. The Science Translation Crisis Perhaps the most sobering observation came from another EFS Conference speaker who said it very plainly. "If we can't explain our work in plain language, we lose taxpayers. We lose the community. They don't see themselves in what we do." However, this feels more like a communication problem masquerading as a technology issue. We've built systems that speak fluent academic, but the audiences we need to reach speak human. When research descriptions are buried in jargon, when impact metrics are incomprehensible to lay audiences, when success stories require a PhD to understand—we're actively pushing away the very people we need to engage. The AI Disruption Very Few Saw Coming Yes, AI, like everywhere else, is fast making its mark on how research gets discovered. One impassioned speaker representing a university system described this new reality: "We are entering an age where no one needs to click on content. AI systems will summarize and cite without ever sending the traffic back." Think about what this means for a lot of faculty research. If it's not structured for both AI discovery and human interaction, your world-class faculty might as well be invisible. Increasingly, you will see that search traffic isn't coming back to your beautifully designed university pages—instead, it's being "synthesized" and served up in AI-generated summaries. I've provided a more detailed overview of how AI-generated summaries work in a previous post here. Keep in mind, this isn't a technical problem that IT can solve alone. It's a fundamental communications challenge about how we structure, present, and distribute information about our expertise. Faculty Fatigue is Real Meanwhile, many faculty are experiencing serious challenges managing busy schedules and mounting responsibilities.  As another EFS panelist commented on the challenges of engaging faculty in reporting and communicating their research, saying, "Many faculty see this work as duplicative. It's another burden on top of what they already have. Without clear incentives, adoption will always lag." Faculty researchers are busy people. They will engage with these internal systems when they see direct benefits. Media inquiries, speaking opportunities, consulting gigs, policy advisory roles—the kind of external visibility that advances careers and amplifies research impact. And they require more support than many institutions can provide. Yet, many universities have just one or two people trying to manage thousands of profiles, with no clear strategy for demonstrating how tasks such as profile updates and helping approve media releases and stories translate into tangible opportunities. In short, we're asking faculty to feed a system that feels like it doesn't feed them back. Breaking Down the Silos Which brings me to my main takeaway: we need more marketing and communications professionals in these conversations. The expert systems community is focused on addressing many of the technical challenges—data integration, workflow optimization, and new metadata standards — as AI transforms how we conduct research. But they're wrestling with fundamental communication challenges about audience, messaging, and impact storytelling. That's the uncomfortable truth. The systems are evolving whether we participate or not. The public pressure for accountability isn't going away. Comms professionals can either help shape these systems to serve critical communications goals or watch our expertise get lost in translation. ⸻ Key Takeaways Get Closer to Your Research: This involves having a deeper understanding of the management systems you use across the campus. How is your content appearing to external audiences? —not just research administrators, but the journalists, policymakers, donors, and community members we're trying to reach. Don't Forget The Importance of Stories: Push for plain-language research descriptions without unnecessarily "dumbing down" the research. Show how the work your faculty is doing can create real-world benefits at a local community level. Also, demonstrate how it has the potential to address global issues, further enhancing your authority.  And always be on the lookout for story angles that connect the research to relevant news, adding value for journalists. Structure Expert Content for AI Discoverability: Audit your content to see how it's showing up on key platforms such as Google Gemini, ChatGPT. Show faculty how keeping their information fresh and relevant translates to career opportunities they actually care about. Show Up at These Research Events: Perhaps most importantly, communications pros need to be part of these conversations. Next year's International Forum on Expert Finder Systems needs more communications professionals, marketing strategists, and storytelling experts in the room. The research leaders, administrators and IT professionals you will meet have a lot of challenges on their plate and want to do the right thing.  They will appreciate your input. These systems are being rapidly redesigned - Whether you're part of the conversation or not. The question is: do we want to influence how they serve our institutions' communications goals, or do we want to inherit systems that work brilliantly for academic audiences but get a failing grade for helping us serve the public?

The Retirement Thrival Guide

(Because “surviving” retirement is like saying you survived a salad bar—aim higher, my friend. Nobody hands out medals for dodging the croutons.) Retirement isn’t about hunkering down as if you’re waiting out a storm, counting your Werther’s Originals like gold coins until the grandkids arrive. It’s about creating Act Two—the remix of your life—that’s lively, connected, and wildly fulfilling. Think less “retirement home” and more “retirement launchpad.” The good news? You don’t need to be at any specific stage to benefit. Whether your pre-retirement and plotting your escape from the 9-to-5, mid-retirement and still adjusting your sails, post-retirement and wondering “what now?”, or simply looking for inspiration to “accidentally” leave on your spouse’s pillow, this guide is your playbook. So buckle up. Here are my "10 Commandments of Retirement Thrival"— think of them as your cheat codes for aging fabulously, with style, sass, and maybe even a standing ovation at the end of the show. 1. Thou Shalt Keep Moving Motion is lotion, darling. I’ve said this before, and I’ll keep saying it until it’s tattooed on your sneakers: your body doesn’t rust—it negotiates early retirement if you stop using it. Movement isn’t optional; it’s oxygen for your joints, muscles, and mood. Don’t ignore this commandment or file it under “tomorrow’s problem.” Tomorrow never squats, stretches, or gets 10,000 steps—you do. Start early and make it a routine. Walk, stretch, lift soup cans during commercials. If you feel daring, dance in the kitchen and startle the cat (extra points if the cat looks personally offended). The trick isn’t big gestures; it’s the small moves that add up to a second act full of energy instead of tired excuses. Fact check: The World Health Organization reports that inactivity causes 2–5 million preventable deaths annually. Translation: move it, or lose it. Maxim: Thou Shalt Keep Moving... lest ye creak louder than your old floorboards. And yes, jumping counts.  Take it from someone who teaches four to five Zumba, Body Pump, RPM, Flex, and Flow, and yes, Kick Boxing to people of all ages.  As a certified fitness instructor, I've seen the transformation that even the tiniest efforts can have.    2. Thou Shalt Guard Thy Health Hydrate, sleep, take your meds, and eat real food (and no, ketchup still doesn’t qualify as a vegetable, even if you put it on kale). Think of these as deposits into your “health account.” Skip too many deposits, and guess what? Your body’s cheques will bounce—hard. Let’s get specific: Water: Most of us aren't drinking enough of it.  In fact, a 2024 Canadian study by Liquid I.V. reported that 63 per cent of respondents reported feeling regularly dehydrated. Yet, 74 percent of respondents were aware of the recommended daily amount of water they should drink (6-8 glasses of water per day). Yes, coffee helps a little, but wine doesn’t count. Also, keep in mind that as cooler weather approaches, dehydration can often become less noticeable. However, through skiing, snowboarding, skating, or simply the regular course of daily activity, hydration must be monitored just as much in the winter as in the summer.  Hydration isn’t optional — it fuels your energy, digestion, and even cognitive sharpness.  Forgetting to drink water?  That's no excuse.  Just download an app for your phone.  The "Water Reminder" App is great and it's free!  Sleep: Aim for 7–9 hours of sleep per night (CDC, 2024). Less than that doesn’t make you a hero; it makes you a cranky health risk. Chronic sleep deprivation is linked to heart disease, diabetes, obesity, and depression. Translation: bedtime is self-care, not surrender. Meds: Here’s the reality—According to the WHO, about 50% of people don’t take their medications as prescribed. Missing doses isn’t “oops, I forgot”—it’s a slow-motion sabotage of your health. Non-adherence leads to unnecessary hospital stays, complications, and yes, premature exits from the party. The solution? Create a system: use pill organizers, set alarms, download apps, or keep sticky notes on the fridge—whatever helps you stay consistent. Fact check: According to Harvard, good health routines can reduce the risk of chronic disease by up to 40%. That’s not a suggestion; that’s a bargain. Maxim: Guard thy health… lest thy golden years turn into waiting-room marathons 3. Thou Shalt Simplify Thy Finances Paper statements from 1983? Cute. But clutter isn’t just untidy—it’s risky. Scammers thrive on confusion nearly as much as raccoons love your green bin. Automate what you can, consolidate what you must, and shred the rest. Remember this fact: how we handle one aspect reflects how we handle everything. If your finances are a chaotic jumble of forgotten accounts and mysterious charges, you’re likely bringing that chaos into other areas of your life. Money can be daunting for many, but don’t make it worse by spreading it across multiple banks, credit cards, and half-finished spreadsheets. We want to engage with our finances, not withdraw from them because of overwhelm. And let’s be honest—leaving a financial mess for your heirs isn’t just uncool, it’s the opposite of building a legacy. Don’t be the reason your kids fight over who has to sift through shoeboxes of bank statements and expired loyalty cards. Make a pot of coffee, hold your nose, and simplify. If it feels too overwhelming, hire a trusted professional—yes, it’s an investment, but peace of mind pays dividends. Also, don’t wait. Tomorrow is not guaranteed, and too many people run out of tomorrows before they ever get around to cleaning up their finances. Here’s a simple formula: Simple = Automate, Consolidate, Eliminate, Delegate. (If it doesn’t fit one of those buckets, it’s clutter.) Fact check: Canadians aged 65 and older lose more than $500 million annually to fraud (Source: RCMP). A streamlined financial life makes you a smaller target. Maxim: Simplify thy finances… lest ye become the star of Scam-baiters: Seniors Edition. 4. Thou Shalt Build Emotional Resilience Retirement can be joyful or lonely. The key often lies in how you build your emotional toolkit. Start by finding a “third place” (somewhere outside of home or work): a coffee shop, gym, church, pickleball club, or karaoke night. Bonus points if it includes cake. But resilience isn’t just about where you go; it’s about what happens in your mind. Your self-talk is the constant soundtrack of your life. If there are many ways to get downtown, there must also be many ways to reframe what just occurred. Did you forget your keys? Maybe it’s an opportunity to practice your steps. Reframing is a vital life skill—it can turn setbacks into stepping stones, boost your confidence, and protect your self-image from unnecessary harm. Practicing resilience also involves enhancing your self-esteem. Read thinkers like Mel Robbins (famous for the “5 Second Rule”) who promote simple, actionable mindset shifts. Mental health pioneers such as Carl Rogers and Nathaniel Branden highlight self-compassion, strengths-based approaches, and Cognitive Behavioural Therapy (CBT) techniques as effective ways to reshape one’s self-image. Even parents and teachers have long recognized that positive reinforcement in childhood helps establish resilient adults. The good news? You can still re-parent yourself today by practicing gentler self-talk and focusing on your strengths. And remember: loneliness has a cost. According to the U.S. Surgeon General, chronic loneliness is as damaging as smoking 15 cigarettes a day. Emotional resilience isn’t optional—it’s a form of preventative health. Maxim: Build resilience... or you'll find yourself yelling at the weather forecast all alone. 5. Thou Shalt Know Thy Values Your values are your North Star. They guide your choices, shape your relationships, and keep you grounded when life gets messy. Forgive quickly, return Tupperware (with cookies, if you’re classy), and keep your promises—especially when caffeine is involved. As Teddy Roosevelt once said, “If you don’t stand for something, you will fall for everything.” And let’s be honest, falling gets riskier with age. For many of us, values become a cornerstone in later years—a kind of personal compass that points not just to what we do, but who we are. Passing on a good set of values is one of the greatest legacies you can leave. It’s something to be proud of, but here’s the trick: don’t hand them down like stone tablets from a mountaintop. Instead, offer them like an irresistible invitation—guidelines that inspire, not commandments that suffocate. Leave room for others to adapt, remix, and make them their own. That way, your values live on not as rigid rules, but as living gifts. Maxim: Know your values... lest you drift like a Costco cart with a broken wheel. 6. Thou Shalt Not Retire Without Purpose Purpose doesn’t have to mean curing cancer. It could be as simple as baking banana bread that makes your neighbours swoon, mentoring a younger colleague, painting watercolours, or volunteering at the food bank. What matters isn’t the scale—it’s the spark. Without purpose, retirement can feel like a never-ending long weekend, with Monday never arriving. That might sound good for a while, but trust me: eternal Saturdays get old fast. Here’s why this matters: Studies consistently show that purpose literally adds years to your life. A landmark 2002 Yale University study, led by psychologist Becca Levy, found that people with a positive outlook on aging lived an average of 7.5 years longer than those without. And Dan Buettner, author of The Blue Zones, has documented how centenarians around the globe credit purpose (or ikigai, as the Okinawans call it) as a key factor in their longevity. Purpose isn’t just a nice bonus; it’s a life extender. Finding your purpose can seem overwhelming, but start by taking small steps. Begin by removing what you don’t want—that’s often the most straightforward way forward. Purpose is also about creating a legacy. It’s not just about how you live, but how you’ll be remembered. You have the power to craft a story that outlives you, whether through relationships, creativity, community impact, or simple acts of kindness. This is why my personal mantra is: Don’t retire… rewire. Retirement isn’t an ending—it’s your opportunity to craft the most meaningful chapter yet. Maxim: Have purpose… lest ye binge more shows than Netflix can fund. 7. Thou Shalt Create Joy and Laughter Adults laugh about four times a day. Kids? Closer to 400. There is something drastically wrong with this statistic. Somewhere between filing taxes and misplacing our bifocals, we’ve lost our bearings—time to take them back. Joy and laughter aren’t luxuries—they’re vital for our survival. Here’s how to get your daily dose: watch I Love Lucy reruns (Lucy never fails), subscribe to a “joke-a-day” email, or better yet, send a funny joke to a friend or grandchild via text. Join a laughter yoga class, stream a comedy special, or dust off those “dad jokes” that make you roll your eyes. The goal isn’t polished comedy—it’s allowing yourself to be silly. And don’t overlook this: Laughter is both contagious and magnetic. People (yes, even your relatives) want to be around joy, not another monologue about your lumbago. Laughter is also a clever rebranding tactic. Instead of being “that cranky retiree,” you can update your image to “the one who brings the fun.” Need more on this? Check out my blog: What’s Your Brand, Boomer? Boomer?https://expertfile.com/spotlight/10790  Maxim: Create joy… lest ye petrify into a cranky old codger. 8. Thou Shalt Always Have Hope on the Calendar Hope is a date with tomorrow. It’s the promise of Taco Tuesday, a small road trip, or lunch with friends. It doesn’t need to be Paris—unless you’re offering, then yes, Paris (and I’ll pack light). Here’s why it matters: hope isn’t just feel-good fluff—it’s fuel. Research indicates that hope enhances resilience, reduces stress, and even strengthens the immune system. Viktor Frankl, a psychiatrist and Holocaust survivor, famously noted that prisoners in concentration camps who clung to hope—even a flicker—did better than those who gave up. Hope literally helps us survive, but more importantly, it allows us to thrive. Your mindset is the driving force behind how you present yourself to the world. A hopeful outlook radiates within you, affecting your energy, healing, and how you handle daily challenges. And here’s the surprise: hope is contagious. Surround yourself with hopeful people, read inspiring stories or books, and intentionally plan activities to look forward to. Pair it with gratitude—it’s the ideal companion—and you’ll cultivate a daily practice that enhances your mindful well-being. Remember: you have nothing to lose. Being “right” about your ailments, family drama, or the world’s troubles won’t help. But choosing happiness? That just might. I dare you. Maxim: Always have hope… lest thy days blur into “laundry o’clock.” 9. Thou Shalt Find Thy Person Everyone needs someone they can call at 8 p.m. who will actually answer (sorry, Siri doesn’t count—and Alexa is a terrible listener). Pick your person, and just as importantly, be theirs too. This isn’t about being needy — it’s about being human. Decades of research show that strong social connections aren’t just warm fuzzies; they’re lifelines. Harvard’s landmark Study of Adult Development — the longest-running study on happiness — found that close relationships are the single most significant predictor of long-term health and well-being, even more than wealth or fame. Meanwhile, the U.S. National Institute on Aging notes that loneliness is as harmful to physical health as smoking 15 cigarettes a day. Yes, fifteen. Your support system safeguards both your body and mind, resulting in lower blood pressure, enhanced immune function, sharper cognition, less depression, and a longer life. Friendship acts as preventive medicine. So don’t overlook this one. Arrange that coffee, send the silly meme, answer the late-night call. Your health relies on it. Maxim: Find thy person… lest ye end up pouring your heart out to Alexa, Alana or whatever her name is. 10. Thou Shalt Declutter Thy Life Decluttering isn’t just for closets—it’s for your mind, your finances, and your garage full of “vintage” ski poles that last saw snow in 1987. Think of it as spring cleaning for your soul. Bonus: Swedish Death Cleaning (döstädning, if you want to impress your friends at dinner parties) saves your kids from having to rent a dumpster in your honour. The Guardian popularized this movement, reminding us that downsizing possessions while we’re alive is the ultimate gift to loved ones—practical, compassionate, and oddly liberating. Here’s the flip side: hoarding—or its younger cousin, “not throwing anything out”—becomes more common as we age. It clutter not only our homes but also our minds, increasing stress, fall risks, and social isolation. The Mayo Clinic notes that hoarding is linked to depression and anxiety, and in older adults, it can seriously impact safety. Awareness is your first defence—don’t become a statistic. Follow the simple 1 item in, 1 item out” rule. When you bring home a new sweater, let go of an old one. If you buy a fancy gadget, put aside the bread maker that’s been collecting dust since 2002. Respect your space and maintain cleanliness, and you’ll enjoy more clarity, peace, and perhaps even more visits from relatives—who might stay for a cup of tea instead of rushing for the door. Maxim: Declutter your life... lest you become the star on Hoarders: Golden Years Edition. The Final Scroll As my friend Lottie often says, “Looking after yourself is a full-time job.” Authentic—but unlike your old 9-to-5, the boss is fantastic (you), the hours are flexible, and the benefits are, quite literally, life-extending—no HR paperwork needed. So live it. Share it. Laugh through it. Retirement isn’t about shrinking back — it’s about thriving forward. This is your encore, your second act, your chance to rewrite the script. You’ve got the commandments, the cheat codes, and hopefully, a few good jokes left in your pocket. Remember: joy, purpose, resilience, health, hope, and laughter aren’t extras—they’re essential. Add them daily like vitamins, and watch the years become richer, not just longer. And if all else fails? Put on some music, dance in your kitchen, and scare the cat or the neighbours if the curtains are open. Because retirement isn’t the end of the book—it’s the chapter where the hero (that’s you) finally gets to write their own plot twist. Don’t Retire—Rewire. Sue p.s. Want more retirement hacks (and a few laughs)? I share them weekly on my new Substack — with special offers and early invites to upcoming events. You can subscribe here: #RetirementReset #HealthyAging #FinancialWellness #PositiveAging #SecondActSuccess

#Expert Perspective: When AI Follows the Rules but Misses the Point

When a team of researchers asked an artificial intelligence system to design a railway network that minimized the risk of train collisions, the AI delivered a surprising solution: Halt all trains entirely. No motion, no crashes. A perfect safety record, technically speaking, but also a total failure of purpose. The system did exactly what it was told, not what was meant. This anecdote, while amusing on the surface, encapsulates a deeper issue confronting corporations, regulators, and courts: What happens when AI faithfully executes an objective but completely misjudges the broader context? In corporate finance and governance, where intentions, responsibilities, and human judgment underpin virtually every action, AI introduces a new kind of agency problem, one not grounded in selfishness, greed, or negligence, but in misalignment. From Human Intent to Machine Misalignment Traditionally, agency problems arise when an agent (say, a CEO or investment manager) pursues goals that deviate from those of the principal (like shareholders or clients). The law provides remedies: fiduciary duties, compensation incentives, oversight mechanisms, disclosure rules. These tools presume that the agent has motives—whether noble or self-serving—that can be influenced, deterred, or punished. But AI systems, especially those that make decisions autonomously, have no inherent intent, no self-interest in the traditional sense, and no capacity to feel gratification or remorse. They are designed to optimize, and they do, often with breathtaking speed, precision, and, occasionally, unintended consequences. This new configuration, where AI acting on behalf of a principal (still human!), gives rise to a contemporary agency dilemma. Known as the alignment problem, it describes situations in which AI follows its assigned objective to the letter but fails to appreciate the principal’s actual intent or broader values. The AI doesn’t resist instructions; it obeys them too well. It doesn’t “cheat,” but sometimes it wins in ways we wish it wouldn’t. When Obedience Becomes a Liability In corporate settings, such problems are more than philosophical. Imagine a firm deploying AI to execute stock buybacks based on a mix of market data, price signals, and sentiment analysis. The AI might identify ideal moments to repurchase shares, saving the company money and boosting share value. But in the process, it may mimic patterns that look indistinguishable from insider trading. Not because anyone programmed it to cheat, but because it found that those actions maximized returns under the constraints it was given. The firm may find itself facing regulatory scrutiny, public backlash, or unintended market disruption, again not because of any individual’s intent, but because the system exploited gaps in its design. This is particularly troubling in areas of law where intent is foundational. In securities regulation, fraud, market manipulation, and other violations typically require a showing of mental state: scienter, mens rea, or at least recklessness. Take spoofing, where an agent places bids or offers with the intent to cancel them to manipulate market prices or to create an illusion of liquidity. Under the Dodd-Frank Act, this is a crime if done with intent to deceive. But AI, especially those using reinforcement learning (RL), can arrive at similar strategies independently. In simulation studies, RL agents have learned that placing and quickly canceling orders can move prices in a favorable direction. They weren’t instructed to deceive; they simply learned that it worked. The Challenge of AI Accountability What makes this even more vexing is the opacity of modern AI systems. Many of them, especially deep learning models, operate as black boxes. Their decisions are statistically derived from vast quantities of data and millions of parameters, but they lack interpretable logic. When an AI system recommends laying off staff, reallocating capital, or delaying payments to suppliers, it may be impossible to trace precisely how it arrived at that recommendation, or whether it considered all factors. Traditional accountability tools—audits, testimony, discovery—are ill-suited to black box decision-making. In corporate governance, where transparency and justification are central to legitimacy, this raises the stakes. Executives, boards, and regulators are accustomed to probing not just what decision was made, but also why. Did the compensation plan reward long-term growth or short-term accounting games? Did the investment reflect prudent risk management or reckless speculation? These inquiries depend on narrative, evidence, and ultimately the ability to assign or deny responsibility. AI short-circuits that process by operating without human-like deliberation. The challenge isn’t just about finding someone to blame. It’s about whether we can design systems that embed accountability before things go wrong. One emerging approach is to shift from intent-based to outcome-based liability. If an AI system causes harm that could arise with certain probability, even without malicious design, the firm or developer might still be held responsible. This mirrors concepts from product liability law, where strict liability can attach regardless of intent if a product is unreasonably dangerous. In the AI context, such a framework would encourage companies to stress-test their models, simulate edge cases, and incorporate safety buffers, not unlike how banks test their balance sheets under hypothetical economic shocks. There is also a growing consensus that we need mandatory interpretability standards for certain high-stakes AI systems, including those used in corporate finance. Developers should be required to document reward functions, decision constraints, and training environments. These document trails would not only assist regulators and courts in assigning responsibility after the fact, but also enable internal compliance and risk teams to anticipate potential failures. Moreover, behavioral “stress tests” that are analogous to those used in financial regulation could be used to simulate how AI systems behave under varied scenarios, including those involving regulatory ambiguity or data anomalies. Smarter Systems Need Smarter Oversight Still, technical fixes alone will not suffice. Corporate governance must evolve toward hybrid decision-making models that blend AI’s analytical power with human judgment and ethical oversight. AI can flag risks, detect anomalies, and optimize processes, but it cannot weigh tradeoffs involving reputation, fairness, or long-term strategy. In moments of crisis or ambiguity, human intervention remains indispensable. For example, an AI agent might recommend renegotiating thousands of contracts to reduce costs during a recession. But only humans can assess whether such actions would erode long-term supplier relationships, trigger litigation, or harm the company’s brand. There’s also a need for clearer regulatory definitions to reduce ambiguity in how AI-driven behaviors are assessed. For example, what precisely constitutes spoofing when the actor is an algorithm with no subjective intent? How do we distinguish aggressive but legal arbitrage from manipulative behavior? If multiple AI systems, trained on similar data, converge on strategies that resemble collusion without ever “agreeing” or “coordination,” do antitrust laws apply? Policymakers face a delicate balance: Overly rigid rules may stifle innovation, while lax standards may open the door to abuse. One promising direction is to standardize governance practices across jurisdictions and sectors, especially where AI deployment crosses borders. A global AI system could affect markets in dozens of countries simultaneously. Without coordination, firms will gravitate toward jurisdictions with the least oversight, creating a regulatory race to the bottom. Several international efforts are already underway to address this. The 2025 International Scientific Report on the Safety of Advanced AI called for harmonized rules around interpretability, accountability, and human oversight in critical applications. While much work remains, such frameworks represent an important step toward embedding legal responsibility into the design and deployment of AI systems. The future of corporate governance will depend not just on aligning incentives, but also on aligning machines with human values. That means redesigning contracts, liability frameworks, and oversight mechanisms to reflect this new reality. And above all, it means accepting that doing exactly what we say is not always the same as doing what we mean Looking to know more or connect with Wei Jiang, Goizueta Business School’s vice dean for faculty and research and Charles Howard Candler Professor of Finance. Simply click on her icon now to arrange an interview or time to talk today.

The Rise of Grandparent Scams

Before you scroll past thinking, “Oh, another scam alert,” please pause. This isn’t your average “don’t answer spam calls” notice. What follows is an examination of the growing sophistication of grandparent scams—complete with call centers, scripts, and even AI voice cloning. More importantly, it’s about how to protect yourself and, especially, the older members of your family. Read on—not just for awareness, but for fundamental tools to keep your loved ones safe. Even Elvis Isn't Safe From Scammers You know the world has gone topsy-turvy when even the King of Rock 'n' Roll isn't immune to fraud. I've written before about the recent attempt to scam Elvis Presley's Graceland estate, but a recent story about senior fraud really got my blood boiling. U.S. authorities in Boston just charged 13 people connected to what I can only describe as a "grandparent scam industrial complex" – a sophisticated operation that bilked over 400 elderly Americans out of more than $5 million. These weren't your run-of-the-mill phone scammers calling from their basement. Oh no. These criminals were running call centers with scripts, managers, and daily money-making leaderboards like they were selling insurance, not breaking hearts. The math alone should make you furious: $5 million divided by 400 victims equals about $12,500 per person. That's not pocket change – that's someone's emergency fund, their vacation savings, or money they've been carefully setting aside for healthcare costs. The Grandparent Scam: Emotional Manipulation 101 If you're not familiar with grandparent scams, buckle up. These predators have turned family love into their business model, and they're disgustingly good at it. Here's their playbook: Step 1: The Panic Call – "Grandma, it's me! I'm in jail and need bail money RIGHT NOW!" Step 2: The Identity Theft – Using social media details (yes, those cute Facebook posts about little Johnny's soccer game), they sound convincingly like your grandchild. Some are even using AI voice-cloning technology. Step 3: The Time Crunch – Everything's an emergency. No time to think, no time to verify. Just panic and send money. Real emergencies, by the way, allow time for a phone call to confirm details. Step 4: The Collection – Cash via courier, rideshare driver pickup, wire transfers, even Bitcoin. Anything except the legitimate ways actual legal systems collect bail money (spoiler alert: the good guys don't send Uber drivers to your house). The Boston Grandparent Fraud Case: Scamming at Scale The level of organization in this Boston case reads like a twisted business manual. These criminals weren't just winging it – they had: • Dedicated "Opener" staff who made initial contact with victims • Specialized "Closers" who pretended to be lawyers demanding payment • Management training programs for their scam employees • Daily performance systems (because nothing says "organized crime" quite like gamifying elderly financial abuse) A number of things bothered me about this case The fraudsters got over $5 million from 400 victims. The simple math shows that, on average, each victim would have lost $12,500 – that’s not “walking around” money. I suspect many would have had to tap into a variety of savings accounts or possibly borrow from others to source funds on short notice. This creates an extra degree of hardship for victims who are struggling to manage on a fixed income. The average age of the victims was 84. This breaks my heart. The oldest in this cohort are especially vulnerable. At this age, many seniors live alone or are more isolated, making them easier prey for these deceitful tactics. Many of them are still uninformed about how these scams operate. The scammers showed a very high level of sophistication. According to court documents from the U.S. Department of Justice, District of Massachusetts (2025), the scammers operated a sophisticated “call center” with technology at multiple sites, enabling them to place a massive number of calls to unsuspecting victims. • These scams would begin with an “Opener” employee, who would call victims and read a script (see below) pretending to be a grandson or granddaughter who was in an accident. • Then, a “Closer” would allegedly follow up with another call, pretending to be their grandchild’s attorney, asking for a sum of money to pay for their grandchild’s fees due to the accident. Each of these call center locations had managers overseeing staff who trained, supervised, and paid employees. The most sickening part? They kept detailed records of how much money they stole each day, treating vulnerable seniors like ATM machines with feelings. Here is an actual photo of their “Leaderboard” taken as evidence in the Boston case. When it came to handling cash, they also had a plan for that. Most often, they used unsuspecting rideshare drivers whom they ordered to do a package pickup at the victim’s house. And these heartless criminals often went back for seconds and thirds. Using lines designed to trigger seniors into emptying their bank accounts. They would say things like "Oh, there's been a mix-up," or "A pregnant woman's baby was lost in the crash" – any lie to squeeze more money from people who'd already been devastated once. Now, I’ve been in enough boardrooms to know that leaderboards usually track sales of widgets, mortgages, or, at worst, how many stale muffins are left in the breakroom. But imagine walking into work and your boss says, “Congratulations, you scammed the most grandmas today—you win Employee of the Month!” That’s not just evil, it’s the kind of thing that should earn you a permanent bunk bed in a tiny jail cell.  And using Uber drivers to pick up cash? Please. The only thing Uber should be picking up is takeout and slightly tipsy people at 11 p.m.—not Grandma’s retirement savings. Some of These Scams Are Coming From Inside Canada Here's where this story hits close to home. While we might imagine these scams operating from some far-off location, some of the biggest operations have been running right here in Canada. In March 2025, Montreal police arrested 23 people connected to a massive network that allegedly defrauded seniors across 40 U.S. states of $30 million over three years. The suspected ringleader, Montreal developer Gareth West, allegedly ran call centers from Quebec properties and laundered the proceeds into luxury real estate. West remains at large, proving that sometimes the worst criminals are hiding in plain sight in Canadian suburbs. The Canadian Reality Check According to the Canadian Anti-Fraud Centre, emergency or 'grandparent scams' have become one of the fastest-growing crimes targeting seniors in Canada, with reported losses rising from $2.4 million in 2021 to over $11.3 million in 2023. Here's where it gets even more interesting.  Those figures are just the losses for gradparent fraud that are reported – experts estimate the true losses are at least ten times higher since only 5-10% of fraud victims come forward.  Let that sink in: we could be looking at over $100 million in actual losses annually in Canada alone. Here’s the part that really stings: no one is exempt. Not me, not you, not even that friend who insists they “don’t answer unknown numbers.” (Sure, Jan. We all know you still pick up when it says “potential spam.”) This isn’t just about losing money—it’s about losing confidence. The shame, the self-doubt, and the “How could I fall for that?” spiral are often worse than the financial loss. I’ve seen strong, capable people withdraw after being scammed, too embarrassed to tell their own families. And honestly—I get the same chill when I read these stories: Would I have caught it in time? It’s a reminder that vigilance is like flossing—we all know we should do it daily, and yet… sometimes we forget until it hurts. Supporting an Elder Who’s Been Scammed Here’s where we need to step up as families and communities Practical Support: • Help them file a report with the police and the Canadian Anti-Fraud Centre. • Contact their bank to determine if the funds can be recovered. • Lock down social media and adjust privacy settings so future scammers have less ammunition. Emotional Support: • Listen without judgment. Don’t say, “I would never have fallen for that.” (Trust me—you might.) or “you know better, Granddad”. • Normalize the experience: this can happen to anyone. If AI can clone voices and manipulate emotions, it’s not about intelligence—it’s about being human. • Follow up regularly. Shame makes people pull back, so check in to ensure they’re not withdrawing or losing confidence. Your Family’s Fraud Fighting Toolkit Look, I've spent over 30 years in the financial industry, and I can tell you that preventing fraud is always easier than recovering from it. Here's your family's defence strategy: The P-A-U-S-E Method Pause – Don't act immediately, no matter how urgent the request sounds. Ask questions only family members would immediately know ("What's Mom's maiden name?") Use known phone numbers to call your grandchild directly and verify information Set up systems to protect family members (like a secret family password) Explain to others – share this information widely with all family members Know the Red Flags • Demands for immediate action (real emergencies allow verification time) • Requests for secrecy ("Don't tell Mom and Dad!") • Payment via courier, rideshare, wire transfer, or cryptocurrency • Emotional manipulation ("I'm so scared, Grandma!") • Any request for cash payment to resolve legal issues Family Password System Set up a secret word or phrase that only your family knows. Make it something memorable but not guessable from social media. "Fluffy" (your childhood dog) is better than a pet name you posted on a recent social media post. What to Do If You're Targeted Stop. Don't. Send. Money. Instead: • Hang up immediately • Call your local police to file a report • Report to the Canadian Anti-Fraud Centre: 1-888-495-8501 or visit antifraudcentre-centreantifraude.ca • If you've already sent money, contact your bank immediately • Tell other family members what happened – you're not the only target These criminals exploit the most powerful human emotions: love, fear, and the desire to protect our families. They've turned grandparents' natural instinct to help their grandchildren into a multi-million-dollar crime operation. But here's what they're banking on (pun intended): that we'll be too embarrassed to talk about it, too confused to verify it, and too panicked to think clearly.  Don't give them that satisfaction. Remember, the average age of victims in the Boston case was 84. These aren't people who have time to recover from financial mistakes. Every dollar stolen from a senior is a dollar that won't be there for healthcare, housing, or basic dignity in their final years. We Can Fight Back Knowledge is power, and conversation offers protection. The more we discuss these scams openly – around dinner tables, in community centres, at family gatherings – the more we hinder these criminals from succeeding. Share this post with the seniors in your life. Not because they're naive, but because they're caring. And because caring people deserve to know how heartless criminals are trying to exploit their love. What is your family doing to protect against fraud? What are your strategies and ideas for keeping our loved ones safe? I’m also particularly interested in what financial institutions and various government agencies are doing these days to combat fraud and protect this vulnerable group. As I research this topic more, I’d love to hear from you. Remember: Real grandchildren in genuine emergencies can wait five minutes for you to confirm who you're talking to. Scammers can't. Helpful Resources: • Canadian Anti-Fraud Centre: 1-888-495-8501 • Report online: antifraudcentre-centreantifraude.ca • For more retirement security tips, visit retirewithequity.ca Stay safe. Don't Retire - Rewire!  Sue

Life Hacks in Retirement: Strategies for Aging Well

If Jean Smart can star in Hacks at 72, clearly life hacking is age-appropriate. Hacks may be a TV comedy about a sharp-tongued, aging comic, but let’s face it: retirement needs a few hacks of its own. It turns out that aging well requires more than good genes—it demands good strategy. The goal isn’t perfection. It’s progress. Progress with fewer bruises, bigger laughs, and more money left at the end of the month than freezer-burnt chicken. So here are some tried-and-true hacks in three essential areas: Money, Muscle, and Mood. Let's get you hip, fit, and financially free.  Ready, Set, Go! Money Hacks: Japan Might Have Found Something In Japan, there's a charming financial custom called Kuzukai, where men hand over all their income to their wives and receive a monthly allowance. No joke—it's a thing. And it works. Japan boasts: • One of the highest household savings rates at 23% (OECD, 2023) • Low household debt per capita (World Bank) • The lowest personal bankruptcy rate in the developed world (IMF Report) • And a whopping 74% of households follow this practice (Nikkei Asia, 2021) Maybe they’ve discovered the ultimate money hack: give the money to the person most likely to use spreadsheets recreationally. But you don’t need a spouse or a sushi habit to save big. Whether you're solo or shacked up, a homeowner or a renter, here are some effectively universal money-saving tips. Everyday Money-Saving Hacks: • Cut the Hidden Fees: Banking, streaming, delivery apps—if you’re not actively using them, cancel or deactivate. Your wallet will thank you. Read your bank and investment statements carefully, as if they were love letters from your money. That $3 “maintenance fee”? It might be costing you more than you realize. • Unsubscribe to Survive: Subscriptions are like house guests—pleasant at first but staying too long and costing too much. Establish a quarterly ritual—Subscription Audit Sunday. Review auto-renewals—Netflix, meditation apps, fancy sock clubs. If it doesn’t bring you joy or serve your needs weekly, cancel it. You might find enough loose change for a weekend escape. • Shop Daily, Eat Fresh: Instead of over-buying in bulk, buy just what you need for the day. It supports spontaneity and reduces waste. (Bonus: you can honour the “I feel like chicken wings” days guilt-free.). Power Tip: Shop daily, eat fresh. Channel your inner Parisian. Shop just for today—reducing waste, adding joy, and turning dinner into a choice rather than a guilt-ridden freezer excavation. • Use Senior Discounts Like a Boss: Shoppers Drug Mart (55+), Pet Valu (60+), movie theatres, golf, bowling… but only if you ask. Ask proudly: “I dare you, card me.” Mark senior days on your calendar like paydays, because they are. • Split with a Buddy: Share groceries with a friend. Half a BBQ chicken is more realistic (and less greasy) than the whole bird, and it reduces “fridge clutter”! • Ride Together: Share Ubers or Lyft. Or better yet, plan your errands with a friend and make a day of it; it will feel more like an adventure. • Scan for Free Fun: Check local listings for subsidized classes, outdoor concerts, and "pay what you can" events. Even dress rehearsals can be hidden gems at a discount. Money Traps to Avoid: 1. Subscription Creep – Set reminders to cancel trials. They add up faster than your grocery bill in the frozen aisle. 2. Silent Statement Siphons – Monitor your monthly expenses. Cut out what doesn’t bring joy or value. 3. Lifestyle Drift – Just because you can spend, doesn’t mean you should. You don’t need another air fryer. 4. Over-Gifting – Love isn’t measured in Amazon orders. The best gift is your time, or your famous banana bread. 5. Retail Therapy – If it’s cheaper than therapy, it’s probably just a distraction. But that doesn’t mean it’s helpful therapy. 6. Impulse Upgrades – Your current phone may be a few years old—but so are you, and you’re still fabulous. Your toaster doesn’t need Bluetooth, and neither do your socks. Physical Hacks: Train Like You Really Mean It The book ‘Younger Next Year’ (thank you, Bill P. and Steven H.) offers a wake-up call: Life is a test of endurance. Prepare yourself for it.  In retirement, fitness isn’t just a hobby — it’s your new full-time job. And this job offers better hours, no toxic bosses, and a dress code that includes spandex. Fitness Hacks That Work 1. Schedule it: If it’s not on the calendar, it’s not happening. Even better, set a recurring date with a friend. Accountability is appealing. 2. Make it enjoyable: Not feeling spin class? Skip it. Try Zumba, power walking, or even disco gardening. Move as if no one’s watching (even if your neighbour is). 3. Start where you are: Don’t join Advanced Pickleball if your last workout was chasing a runaway dog in 2017. 4. Make It Social: Grab a friend or make new ones—bonus points for post-sweat smoothies and commiseration. 5. Keep Commitments (Especially to Yourself): Be a “serious person,” as Logan Roy would say. If you schedule a walk, show up—even if you’re in Crocs and a hoodie. 6. Track progress, not perfection: Count steps, not pounds. Celebrate consistency. Aim for “better than yesterday,” not “six-pack by September.” Fitness Traps to Avoid: 1. Choosing Something You Hate: If you dread it, you’ll ditch it. Guaranteed. 2. Overestimating Your Ability or Availability: Planning to run a marathon in 30 days after a decade on the couch? That’s... aspirational. 3. Overpaying for Motivation: Fancy gym + guilt ≠ results. Try a budget-friendly gym, or even YouTube workouts in your living room. 4. Ignoring Recovery: If you can’t walk after leg day, you’re doing it wrong—stretch, hydrate, nap. Repeat. 5. All-or-Nothing Thinking: Missing one workout doesn’t mean the week’s a write-off. Perfection is the enemy of progress. 6. Comparing Yourself to 30-Year-Olds on Instagram: Just… don’t. Unless you want to feel bad in high def. 7. Try "Fitness Snacking" Squats while the kettle boils. Do wall push-ups before brushing your teeth. Have a dance break during Jeopardy. Movement matters. 8. Stretch Before Bed Nightly stretches improve sleep and help you wake up feeling refreshed. It’s five minutes that pay dividends. Emotional Hacks: Mindset Is Your Muscle This is the part they don’t teach in school—or even in yoga class. Emotional health is what sustains you when the stock market tanks, your golf swing falters, or the kids “forget” to call. Emotional Hacks to Try 1. Upgrade Your Self-Talk: You hear your voice more than anyone else’s. Make it kind. Make it constructive. 2. Be Your Own Biggest Fan: Self-love isn’t arrogance. It’s survival. 3. Treat Yourself Like a Dear Friend: Would you tell your best friend she’s lazy, useless, and past her prime? No? Then stop saying it to yourself. 4. Forgiveness: Begin with yourself. Write that forgiveness letter, see a therapist, cry it out. Let go. No one leaves here flawless. 5. Basic Self-Care: Feed your body with wholesome food, ensure proper rest, and maintain regular grooming. Yes, plucking your chin counts. 6. Gratitude: morning and night. Focus on one thing you’re grateful for each day. It’s better than Botox. 7. Practice "Mental Hygiene" meditation, journaling, or a walk without your phone. It's like flossing for your nervous system. 8. Try Five-Minute Journaling: “What made me smile today?” “What felt hard?” “What do I want more of tomorrow?” Answer honestly—no grammar police. Emotional Traps to Avoid 1. Negative Self-Talk: There is zero upside. Science backs this up—positive self-talk improves performance and wellbeing. Try this: “Today wasn’t my best. I was tired and snappy. I’ll apologize and do better tomorrow.” or “I know I can do this. I need to practice and be patient with myself.” 2. Not Making Yourself a Priority: The oxygen mask rule is absolute. If you don’t take care of yourself, you can’t help anyone else. 3. Self-Medicating with Booze, Bingeing, or Buying: Feel the feelings. Don’t dodge them with Chardonnay or Amazon. 4. Righteousness Addiction: Would you rather be right or be happy? Being “right” is expensive—emotionally, physically, and energetically. 5. All-or-Nothing Perfectionism: Perfection is a myth—and frankly, a boring one. Flaws are where the fun and growth live. 6. Regret. Let’s face it, regrets are a part of life. The trick is not to dwell on them. Don’t store them in Samsonite to pull out whenever we want to beat ourselves up! Ever notice that the windshield on your car is much bigger than the rearview mirror? Read that again. The Social Capital Audit You are more than your RRSP and Fitbit stats. What do you bring to the table? Your kindness? Humour? Lived wisdom? A killer lemon loaf? Whatever it is—own it. Hone it. Make it your signature. Whether you’re the neighbourhood listener, laughter-bringer, or human glue-stick, your contribution matters. What Are You Proud Of… and Is It Still Serving You? Maybe once upon a time, you were known for your hair, your legs, your singing voice, or your abs of yesteryear. But here's the truth: gravity always wins. And that’s not failure—it’s biology. So if you’re still starting sentences with “Back in my day…”, you might be overdue for a mindset update. Choose something new to feel proud of now: your resilience, your sense of humour, your garden, or your ability to FaceTime your grandkid without accidentally hanging up.  Adjust the metric. Celebrate the upgrade. Some Mantras for the Journey • “Done is better than perfect.” • “I am doing the best I can, and that’s enough.” • “Every day is a fresh start (even if my back cracks getting out of bed).” • “Progress, not perfection.” • “I am not too old, and it’s not too late.” • “If not now… when?” • “Stop acting my age.” The Final Hack: Don’t Just Celebrate – Throw Confetti Practice makes progress. And progress, my friends, is where the magic lives. Every step matters. Every stumble adds a twist. Perfection is overrated. Progress is the new gold standard. And as Mel Robbins reminds us: “There will be many people who won’t appreciate your value. Make sure you’re not one of them.” You’ve spent your life caring for others. Now it’s your turn to care for yourself—thoughtfully, warmly, and with plenty of good humour.  Retirement isn’t the end. It’s the ultimate reboot. Be the Jean Smart of your own story. Jean, watch your back... and Kuzukai, watch our money. Star power meets allowance power. Don’t Retire…Re-Wire! Sue

Inflation: It’s Not Just for Prices Anymore

Lately, headlines are full of talk about inflation — a response to the economy and the looming tariffs. I’ve experienced many inflationary periods, but it feels different in retirement. When I was earning a paycheque, inflation was just an annoyance, something I needed to pay attention to and maybe buy a cheaper cut of steak. Now, as someone on a “fixed income,” it feels like a real threat. Recently, Ben McCabe, CEO of Bloom Financial, appeared on Breakfast Television and delivered a truth bomb: “We’re approaching a perfect storm. Longer life expectancy, fewer defined benefit pensions, and rising inflation.”  Well, that storm has arrived — and it’s inflating more than just prices. It’s also expanding our waistlines, prescription lists, and emotional baggage. Inflation, at its core, means “the condition of being inflated.” And it turns out that definition applies to more than the grocery bill. So, grab a cup of green tea (or a celery stick if you’re feeling virtuous). Let’s explore the three sneaky forms of inflation threatening your retirement — and what you can do about them. This blog will appeal to individuals who have retired or aspire to retire in the future. Let’s light this candle! 1. Financial Inflation: The Usual Suspect Let’s start with the obvious: inflation means your money won’t stretch as far as it used to. In 2022, Canada’s Consumer Price Index increased by 6.8% — the highest rise in 40 years. Although it slowed down a bit in 2023, essentials such as food, rent, and fuel continue to grow. Your retirement income might be fixed, but prices definitely aren’t. Retirement Risks from Financial Inflation: • Longer lives mean longer bills. A 65-year-old woman today has a 50% chance of living past 90 years old. That’s over 25 years of expenses. • Vanishing pensions. Defined benefit pensions are disappearing faster than good manners on Twitter. • Healthcare creep. Public healthcare doesn’t cover everything, especially if you want care that wasn’t designed in 1978. As Ben McCabe aptly put it:  “We need to stay healthy so our health span matches our lifespan,” huh?— “otherwise, inflation will affect us through the cost of medications, home care, and long-term care facilities.” What You Can Do: • Review your income sources. Prioritize indexed income sources, such as CPP, OAS, and annuities with COLA (Cost of Living Adjustment) riders. • Use home equity sensibly. If you’re house-rich but cash-poor, consider a reverse mortgage or other equity release products. • Adjust your spending habits. Host themed nights, like “Tuna Tuesdays” — a nostalgic, fun, and budget-friendly option. How to Support Others: • Discuss money matters with kindness. Many retirees feel ashamed of their finances. Show compassion, listen more, talk less. • Bring food, not judgment. A regular Saturday brunch with Sadie can make a significant difference, not just financially. • Foster social connections. Financial stress can cause isolation. Encourage hosting potlucks, card nights, or joining a community group. 2. Physical Inflation: The Expanding Middle Retirement brings more free time… and more room. Waistlines, cholesterol, and prescriptions all seem to rise in tandem. Signs you’re experiencing physical inflation: • Pants that used to be snug are now aspirational • Your Fitbit died months ago — and so did your motivation • Your pharmacy knows you by name... and birthday The bad news? Poor physical health is expensive. Chronic illness can deplete savings faster than a grandchild with your credit card. What You Can Do: • Keep moving. Walk, garden, spin — whatever gets you vertical and vibrant. • Lift weights. Muscle mass starts declining at 40. Resistance training isn’t just for 20-somethings. Strong is the new sexy, pass it on! • Meal plan smart. Grocery inflation peaked at 8.9% — eat better, waste less, save more. Consider shopping daily and buying only the amount of food needed for that day. Your health span should align with your lifespan. Stay strong, stay mobile, and yes, stretching counts — but not if you’re reaching for the TV remote. Inflammation — The Silent Saboteur If inflation is bad, inflammation is worse. Chronic inflammation contributes to: • Heart disease and stroke • Type 2 diabetes • Alzheimer’s disease and brain fog • Arthritis, osteoporosis, and varicose veins • Mood disorders such as anxiety and depression • Certain Cancers Even CNN and Al Jazeera recently reported that Donald Trump was diagnosed with chronic venous insufficiency (CVI) — a common, often overlooked condition among those over 55. Small veins, big problem. (Insert your own “tiny vein, tiny…” joke — I’m staying classy.) Inflammation is the unwelcome guest that never departs. If inflammation had a personality, it would be the dinner guest who drinks all your wine, insults your cat, and brings up politics at dessert. Whether it's fueling joint pain, causing swelling in your ankles, or messing with your metabolism, chronic inflammation is one of the biggest saboteurs of aging gracefully. It often hides in plain sight, presenting itself as: • Low-grade fatigue • Weight gain (especially belly fat) • Mood swings or brain fog • Increased pain and stiffness • Slow healing. What You Can Do: • Eat anti-inflammatory foods, such as leafy greens, whole grains, and healthy fats. Cut out the sugar. • Move each day. Yes, again. It’s that important. • Lower stress to improve sleep. Stress and poor sleep fuel inflammation. • Maintain social and emotional bonds. Loneliness and inflammation are frequently connected — break the link. De-Inflation — The Great Slowdown • So, we’ve discussed inflation... but what about its quieter, sneakier cousin: deflation? • No, not the economic kind. We’re talking about the physical “poof” that occurs when we reach our late 70s and 80s — when the padding diminishes, posture declines, and everything else… well, just seems a little less buoyant. • Suddenly, you’re shrinking. Your weight drops — but not in a sexy, "I’ve been intermittent fasting" kind of way. More like "my pants are falling down and my doctor says I’m 2 inches shorter" sort of vibe. Welcome to the gravitational pull of aging. Signs of De-Inflation: • Pants fit strangely, but not in a bragging way • You’re hunched over as if you’re forever bowing to the Queen • Your arms and legs have that crepey, crinkly look — like tissue paper with a gym membership • And let’s not forget the wrinkles on your face — a stunning topographical map of your life Let’s be honest: gravity always wins. Biology always wins. And yes, our skin thins — insert your own joke about being “thin-skinned” here. But we are not entirely powerless. Here’s How to Push Back (Gently — you don’t want to break a hip): • Check your posture monthly. Have a friend take a quick side photo. Are you upright and confident — or resembling a question mark? • Stretch regularly. Yoga, fascia stretching, and massage can help combat the hunch. • Move intentionally. Gentle strength training and balance exercises can maintain muscle and stability. • Moisturize and hydrate. For your skin, your joints, and your soul. • Celebrate your lines. They’re not “flaws” — they’re proof you’ve felt joy, sorrow, surprise, and a few good martinis. They’re not signs of aging; they’re signs you’ve been living. Remember: frowning only causes more wrinkles. So, smile — or better yet, laugh. Loudly. Often. Preferably at inappropriate moments. Oh — and take my advice on this: never (and I mean never) open your eyes during downward-facing dog. Some things just can’t be unseen. 3. Emotional Inflation: When Grudges Accumulate Like Interest Here’s the sneaky one. Emotional inflation appears as: • Bitterness over who got what in Mom’s will • Inflated egos and “right-titis” (a chronic need to be right) • Replaying 1983 arguments in your head like they’re Oscar contenders. • Giving not-so-nice nicknames to your former coworkers (and using them… publicly) • Keeping a mental spreadsheet of injustices — now colour-coded for quick reference (who says seniors are not tech-savvy?) Here’s the thing: emotional inflation isn’t just about what others have done. It’s also about how we interpret our role in those stories. Ready for a bold idea that can free you from decades of emotional baggage? What if we stopped keeping score and instead focused on how we want to show up in our relationships? What if you chose, intentionally, to be a generous sister, a supportive friend, a gracious parent, or a collaborative co-worker — not because they "deserve it," but because that's who you want to be? It’s not easy. It may require deep breathing and the occasional muttering in the car. However, for those willing, this mental reframe can be a total game-changer. What to do: • Let go. You can’t carry joy and a grudge at the same time — and joy is lighter. Lighten the emotional load. You don’t need to wait for someone to say sorry to feel free. • Choose your character. Think of it as casting yourself in the movie of your life. Be the wise one, the peacemaker, the person who breaks the cycle, not the one still angry about a forgotten birthday in 1996. • Write your own story. Present yourself as the person you want to be, even if others haven’t read the same script. You can’t control other people, but you can control how much space they occupy in your mind (especially if they’re not even paying for snacks). • Reframe your perspective. Instead of keeping score, focus on who you want to be: a generous sibling, a gracious friend, or a person at peace. Let go of the scorekeeping. It rarely results in a tie, and even if you win… You still feel empty. • Define your role. Be the big-hearted sibling, the calm presence, the one who lets go, not the person who stores bitterness in Tupperware containers. • Invest in joy. Dance classes, martinis, laughter — choose your remedy. • Talk it out. Therapy is more affordable than wine-fuelled Facebook rants and far more effective. Take the high road. There’s less traffic and better scenery. You can’t always avoid emotional hurt, but you can avoid living in a constant state of emotional inflation. And trust me, nothing deflates retirement faster than a bloated list of resentments. And if you’re feeling weighed down by the bloat of what life has thrown at you, remember: you can’t control inflation, but you can choose your response. Choose grace over grudges. Choose strength over stagnation. Choose the version of yourself that makes you proud. Because guess what? You’re still becoming who you are. Trust me — it’s better than a juice cleanse and more affordable than therapy. Some people age like fine wine; others age like vinegar. Emotional inflation is the burden you carry that doesn't show on the scale, but it weighs everything down. You can’t rewrite someone else’s story, but you can decide how to present yourself in your own. Taking the high road is less crowded and provides better perspectives. Inflation May Be Inevitable — But Misery? That’s Optional. Inflation has seeped into our lives like glitter at a craft table — impossible to contain and popping up in the most unexpected spots. It’s not just your budget that’s swollen (thanks to blueberries and Botox), but also your belly, your prescription drawer, and — if you’re not careful — your resentment list. But here’s the good news:  While you can’t control how high prices go, how slow your metabolism becomes, or how long Uncle Jerry holds a grudge… You can control your response.  So, here’s your call to calm, intentional, fabulous action: 1. Reclaim your power — in your spending, your body, and your mindset. 2. Choose curiosity instead of crankiness. Move more instead of staying still. Salad rather than salt (well… sometimes). 3. Be the kind of person who ages like disco — a little dramatic, slightly sparkly, and always ready to dance. And if you absolutely must inflate something… make it your sense of humour. Because in the grand game of Retirement Inflation Nation, laughter is your best hedge — and it’s fully indexed to joy. Oh — and if you're wondering whether I practice what I preach: I'm a certified fitness instructor and teach 5 jam-packed fitness classes a week at Canada’s largest gym. Movement isn’t just medicine — it’s music, community, and yes, a fabulous way to earn the right to your next martini. So, take it from someone still riding the rhythm of life — gravity is real, but so is joy. And we’re still dancing under the stars. (Here’s proof from the Coldplay concert — yes, I was the one yelling “Fix You” with both hands in the air and not a single regret.) Keep inflating the things that matter: your laugh lines, your playlist, and your purpose. With love, lunges, and a little glitter, Sue Don’t Retire... Rewire!

Ringo Starr Just Turned 85

Yes, Ringo Starr just turned 85. Let that sink in. I read this in the Washington Post and felt like a bag of Beatles vinyl had walloped me. How is this possible? How can the mop-top drummer be 85 when I was dancing to “Yellow Submarine” in bell-bottoms with a brush for a microphone? More urgently: how old does this make me?! Ringo isn’t slowing down. He’s still touring with two bands, making music, flashing that cheeky Liverpudlian smile, and preaching peace and love as if he’s got nowhere else to be. No plans to retire. No plans to fade away. Just a rockstar with a great attitude... and maybe a titanium hip (unconfirmed). This made me realize that, as the birthday candles on my cake now need a fire permit, “attitude” plays a huge role in how we age. Based on the feedback I received from my last post, “What’s Your Brand, Boomer?”, it’s clear that many people are genuinely interested in managing their personal brand as they age. This week, I want to go deeper—because whether you’re 45 or 85, you are Old People in Training. That’s right. Every one of us is aging in real-time, and understanding the stages ahead—either for ourselves or our aging loved ones—helps us walk this path with humour, grace, and fewer surprises. So, here they are: The 8 (Unofficial but Uncannily Accurate) Stages of Aging 1. The Stand-Up-and-Forget-Why Stage (Kicks in around mid-to-late 50s) You walk into a room with purpose, then wonder: was I here to fold laundry, pay a bill, or practice my slow blink? Bonus points if you’re already wearing the glasses you’re hunting for. How it helps: Eases forgetfulness. It’s not early dementia; it’s early distraction. Keep a notebook or use Voice Memos. Or do what I do: shrug, laugh, and keep walking until something jogs the memory (usually coffee). 2. The “Senior? Not Unless There’s a Discount” Stage (Hits in your early 60s) You bristle at the word “senior,” unless it saves you $2.50 at the movies or 15% at Shoppers. Suddenly, age becomes a tool, not a label. How it helps: Celebrate the advantages! You’ve earned them. And remember: owning your age is the new anti-aging remedy. Confidence looks good on everyone. Remember, you are still that age, whether you admit it or not. You might as well save some money! 3. The “Yes, I Really Am That Age” Reminder Stage (Kicks in around 65) You find yourself saying your age out loud like it’s a riddle. "I’m 65. Sixty-five! Isn’t that wild?" You’re still trying to catch up with the numbers, or maybe you’re worried you’ll forget your age. How it helps: Accept the number without letting it define you. It’s not a limit — it’s a launchpad. Bonus: Use it as an excuse to do something you’ve always put off. 4. The Replacement Parts Stage (Hits in the early to mid-70s) Welcome to orthopedic roulette: knees, hips, maybe a shoulder. You collect joint replacements like frequent-flyer miles. Fortunately, modern medicine allows for joint replacements to be performed more quickly than ordering takeout. Still waiting for Staples to offer 3D-printed hips. How it helps: Embrace science instead of fighting it. Biology always prevails! Mobility equals independence. And nothing embodies “active aging” like beating your grandkids at pickleball with a shiny new titanium knee. 5. The “I’ve Run Out of F*cks to Give” Stage (Kicked in the late 70s into the early 80’s) You’ve earned the right to speak your mind—and wear socks with sandals. You say what you want, mean what you say, and anyone who doesn’t like it can take a number. Opinions? Too many! Filters? Deleted. Freedom? Glorious. Friends? Running for cover! How it helps: This is peak freedom. Use it wisely. Advocate, participate, mentor, and model what unapologetic living looks like. You’re the elder statesperson now—be bold, not bitter. 6. The Cataract Conspiracy Stage (Kicks in mid-to-late 70s) Lights appear like halos, and reading menus becomes an Olympic event. But don’t worry—cataract surgery is so common it’s practically an oil change. And voilà: brighter colours, more precise lines, less squinting. Spoiler Alert: You will now be able to see how poor your housekeeping skills are! How it helps: Get your eyes checked. Don’t delay. Seeing clearly again can literally brighten your outlook—and maybe even your attitude. 7. The “Say What?” Stage – The Hard-of-Hearing Stage (Late 70’s+) This one sneaks up like a whisper… which is ironic, because you probably won’t hear it. At some point, for most of us, hearing begins to decline like old payphones and eight-track tapes. It might start with missing parts of conversations in noisy restaurants or asking people to repeat themselves (just once… or five times). Eventually, it’s full-blown “Say what?” territory. Many avoid wearing hearing aids because—let’s face it—they feel like a flashing neon sign that says, "I’m old!" But here’s the real issue: pretending to hear is much worse. It can lead to social withdrawal, isolation, and even strained relationships. And we’re not just making this up for dramatic effect—studies at John Hopkins School of Medicine show that untreated hearing loss is linked to a higher risk of dementia, depression, and cognitive decline.   There’s also the loud TV effect—when your neighbours across the street can hear your Netflix queue, it’s time to see an audiologist, not to mention the safety concern: driving with impaired hearing is risky; sirens, honking horns, or even a warning from a passenger might go unnoticed. So, if your “What?” count is rising and your TV volume is climbing towards aircraft-engine decibels, take action. Getting your hearing tested doesn’t mean you’re old—it means you’re informed (and honestly, more enjoyable to be around).  Because nothing celebrates “vibrant aging” more than staying connected to the world—and actually hearing it. Stage 8: The Long Goodbye – When Friends Start to Leave the Stage I’ve heard from seniors about Stage 8… and without exception, they say it’s one of the toughest parts of aging.  This is the stage when the long goodbye starts—quietly at first, then with increasingly frequent moments. Your phone rings less often. The chairs at the coffee group gradually empty. One day, you realize you’re not just losing friends—you’re outliving them. It’s part of the circle of life, for sure—but no Lion King soundtrack can ease the heartbreak. This stage exposes some of our deepest fears: Will I be next? Who will mourn me? Does anyone even know I’m still here? It’s a time of grief, loneliness, and silent despair. And while you can’t fast-forward through it, you don’t have to walk it alone. If you’re an “Old Person in Training” (which, reminder: we all are), listen up. This stage isn’t just something that happens to others—it’s your future self, waving from down the road. Learning about it now prepares you to guide others through it with grace and to soften your own landing when the time arrives. And if someone you love is already there? This is your cue. Show up. Don’t wait to be invited—grief rarely sends formal RSVPs.  Phrases or clichés like “they’re in a better place” won’t suffice here. These are nothing burgers—all bun, no meat—empty calories in a moment that needs nourishment. Show up. Stay steady. Be the evidence that they are still recognized, still cared for, still part of something meaningful.  What they truly need is presence, not presents. Time, not timelines. They need to feel they are not alone. Sit with them. Walk with them. Watch Jeopardy in silence if that’s what the day calls for. But whatever you do, don’t disappear. Because one of the most profound gifts we can give in this stage isn’t a cure—it’s companionship. Science Confirms It: Attitude Is a Lifespan Strategy Tongue-in-cheek aside, these aging observations are backed by science: Positive beliefs about aging can extend life by 7–8.5 years. (Source: PubMed – Levy et al.) Optimism correlates with lower heart disease, stroke, and a 70% greater likelihood of reaching age 85.  (Source: Harvard Health) Positive mindset boosts recovery, brain health, and resilience after illness.  (Source: Harvard Health) So, what can we learn from Ringo? Keep creating – Music, art, businesses, bad poetry. It keeps the brain limber and the soul alight. Stay curious – Sign up for that course. Take the trip. Ask questions. Enrol in the MBA. (Looking at you, 69-year-old rockstars.) Lean into joy – Laugh like nobody’s judging. Dance like your knees aren’t watching. Surround yourself with good vibes – Optimism costs nothing and glows brighter than Botox. Remember, it’s not your age—it’s your outlook. So next time you stand up and forget why you did, just grin and say: ‘I’m aging like a Beatle. Still standing. Still grooving. Still fabulous.” And if you ever need a pep talk, ask yourself:  “What would Ringo do?” Don’t’ Retire Re-wire Sue

Taming "The Bear": Villanova Professor Examines Workplace Toxicity in FX's Acclaimed Series

In the latest season of FX’s award-winning series “The Bear,” lead character and chef Carmen “Carmy” Berzatto finds himself at a crossroads. A culinary genius, Carmy has successfully overseen the reinvention of his family’s Italian beef shop as a high-end restaurant—shepherding a dedicated, if unpolished, crew of sandwich makers into a world of haute cuisine, fine wine and elevated service. However, over the course of this transition, his exacting standards have contributed to a culture of anxiety, dysfunction and resentment in the workplace. Despite staff members’ professional and personal growth, tempers still flare like burners on a range, with Carmy’s obsessive attention to detail and single-minded pursuit of perfection spurring conflict. By season’s end, grappling with the fallout from a mixed review seemingly influenced by the back-of-house “chaos,” the chef is forced to confront a complicated and thorny question: Am I getting in the way of my own restaurant’s success? Carmy’s dilemma, while fictional, reflects the very real challenges many modern businesses face when excellence is prioritized at the expense of psychological safety and workplace harmony. Per Manuela Priesemuth, PhD, who researches toxic work climates, aggression on the job and organizational fairness, the warning signs are all too frequently overlooked in high-pressure environments like restaurants. “Some high-stakes industries have a characteristic of having toxic behavior more accepted,” says Dr. Priesemuth. “When it’s more accepted or normed, it’s a real problem.” As she explains, workers in the food service industry, much like medical professionals in an operating room or military personnel in a combat zone, have a tendency to view measured communication and thoughtful interaction as a luxury or even, in some cases, a hindrance. Essentially, there’s a common misconception that working with an edge—yelling orders, avoiding dialogue and berating “underperformers”—gets the job done. “In all of these high-stakes environments where it’s thought there’s leeway to talk negatively or disparagingly, people are mistaken in the productivity result,” Dr. Priesemuth says. “It actually changes for the better in positive climates, because people who are treated with dignity and respect are better performers than those who are mistreated.” To Dr. Priesemuth’s point, research increasingly shows that workplace culture, not just talent or technical ability, is an essential driver of organizational success. In an environment like Carmy’s kitchen, where pride and passion often give way to personal attacks and shouting matches, the on-the-job dynamic can effectively undermine productivity. What may begin as an intended push for excellence can instead result in burnout, high turnover and weakened trust—outcomes that are especially problematic in collaborative, fast-paced industries like hospitality. “There’s even evidence that abusive behavior in restaurant settings can lead to food loss,” shares Dr. Priesemuth. “So, there is a sort of retaliation from the employees who are going through this experience, whether it’s measured [in profit margins] or impact on the customer.” In order to prevent these less-than-ideal outcomes, businesses should take steps proactively, says Dr. Priesemuth. More specifically, they should clearly articulate their values and expectations, considerately engage with their staff’s opinions and concerns and consistently invest in their employees’ growth and development. In the world of “The Bear,” a few of Carmy’s managerial decisions in the second season could be seen as moves in the right direction. At that juncture, he was leveraging his industry connections to provide his restaurant’s staff with the tools and training necessary to thrive in Chicago’s fine dining scene, building skills, confidence and goodwill. “If you give people voice—such as input on the menu, for example, or more autonomy in completing a certain task—it boosts morale,” says Dr. Priesemuth. “It helps people feel that they have input and that they are valued members of the team; it’s this sort of collaborative, positive relationship that increases commitment and performance.” Establishing this type of work culture, grounded in open communication, mutual respect and a shared sense of mission, takes concerted effort and constant maintenance. In situations in which toxicity has already become an issue, as it has in Carmy’s kitchen, the task becomes decidedly more difficult. Typically, it demands a long-term commitment to organizational change at the business’ highest levels. “Adjusting the tone at the top really matters,” says Dr. Priesemuth. “So, if the owner were to treat their chefs and waiters with the dignity and respect that they deserve as workers, that also trickles down to, for example, the customer.” A leader’s influence on workplace morale, she contends, is nuanced and far-reaching. When those in charge model a lack of empathy or emotional distance, for instance, a sort of toxicity can take root. Likewise, when they repeatedly show anger, animosity or frustration, those same feelings and attitudes can have an ingrained effect—regardless of a staff’s talent or ability. Given the outsized role owners, supervisors and managers play in shaping organizational culture, Dr. Priesemuth further notes, “Leaders must also feel that they’re being supported. You can’t have someone who’s exhausted, works 80 hours a week and has relationship and money issues and expect them to say, ‘What are your problems? What do you need?’” In many ways, her insights speak directly to the struggles Carmy faces and prompts throughout “The Bear’s” run. At every turn, he’s dogged by family and relationship troubles, mounting financial pressures and unresolved trauma from a past role. Ultimately, as would happen in real life, his difficulty in healthily processing and addressing these issues doesn’t just harm him; it affects his staff, manifesting itself as a need for control and a crusade for perfection. “There are spillover effects from your own personal life into your job role. In the management field, that has become increasingly clear,” says Dr. Priesemuth. “Whatever you’re going through, whether it’s from an old job or something personal, it will automatically spill over into your current work life and your interactions. And, vice versa, what’s happening to you at work will [impact you off the clock].” In dramatic fashion, the fourth season of “The Bear” concludes with Carmy acknowledging as much. Determining that there are other aspects of his life desperately in need of attention, he surrenders the reins of his business to chef de cuisine Sydney “Syd” Adamu and maître d’hôtel Richard “Richie” Jerimovich, appointing them part-owners. While the soundness of this decision remains a subject for the show’s next season, Carmy justifies the move with a blunt admission: “It’s the best thing for the restaurant. We have to put the restaurant first… I don’t have anything to pull from.” In the end, in both “The Bear” and management studies, there’s an understanding that building healthy and productive work environments requires active engagement and positive reinforcement on the part of leadership. In a sense, creating a strong work culture is shown to be a lot like preparing a phenomenal meal; it’s a matter of attentiveness, patience and care. Without those ingredients, the result could very well be a recipe for disaster.

What’s Your Brand, Boomer?

Picture this: a group of women in their 50s and 60s who've collectively decided to stop caring about chin hairs, laundry schedules, and everyone else's opinions. Sound liberating? It should. The New York Times recently profiled Melani Sanders, founder of the "We Do Not Care Club"—a crew of perimenopausal and menopausal women living by one fabulous rule: NO RULES! Their motto might as well be "Chin Hair, Laundry, Your Opinion: We Don't Care." While targeted at a younger demographic, the spirit of this movement resonates loudly among retirees, especially those dancing into their 70s and 80s, with less concern for public opinion and a greater commitment to living life to the fullest. But here's the thing—this "liberation" isn't just about attitude. There's actual neuroscience behind why we become more authentic versions of ourselves (and sometimes more blunt) as we age. Brain Aging & Inhibitory Control Let’s start with the science before we move into sass. Frontal lobe shrinkage: Researchers, including Stephanie Wong, a Research Fellow and Clinical Neuropsychologist, are studying how changes in the brain impact inhibitory control and social cognition as we age. Research shows that as we age, the prefrontal cortex—the brain’s internal social bouncer—begins to shrink. That means less inhibition, more "Oops, did I say that out loud?" moments. Inhibition deficits: Research published in the APA Journal of Neuropsychology shows that older adults find it more challenging to ignore distractions or hold back their impulses. Tasks like "stop-signal" tests reveal a clear decline in impulse control. Disinhibition causes behaviour shifts. Sometimes charming, sometimes awkward. If it's just being unusually honest, that’s one thing. If it's full-on undressing in the produce aisle, it might be time to see a doctor. Particularly with frontotemporal dementia, disinhibition can be a serious warning sign. Emotional Wisdom: Who Cares? Here’s the upgrade part of aging: • Less shame, more self-acceptance. Turns out, as you get older, you care less if Karen from yoga thinks you talk too much. • Socioemotional selectivity theory. As we become aware that time is limited, we stop pretending. Why waste valuable hours pretending to enjoy kale chips or dull book clubs? When to Be Concerned • Normal aging: Some verbal slips, occasional public flatulence, and quirky jokes. • Red flags: Rude outbursts, memory lapses, risky behaviour, and dramatic personality shifts. That might signal more than "aging into your truth." • Impulsivity warning: High impulsivity in older adults can sometimes be associated with early-stage cognitive decline. When uncertain, discuss it—preferably with a professional. TL;DR • Physical: Brain shrinkage leads to fewer filters. • Emotional: Less time means less pretending. • Caution: Disinhibition and cognitive issues suggest it's time for a check-up. Crafting Your Identity After 60 (Before Someone Else Does It for You) Let’s be honest: You already have a brand. Even if you never wrote a tagline or hired a designer, your brand is what people whisper (or shout) about you when you leave the room. It’s how you show up, how you age, and whether you become known as: "The Cranky Codger Complaining About the Price of Lettuce" or "The Glamorous Grandma with a TikTok Following." If you don’t brand yourself, trust me—someone else will. And they might not be as flattering. The Branding Trap of Aging Aging often loosens the filter and tightens the waistband. That’s just biology. But if we’re going to become more blunt, forgetful, and comfortable saying whatever pops into our head, shouldn’t we decide who we want to be first? Instead of becoming The Know-It-All, The Debbie Downer, or The Hovering Grandparent, why not become: • The Mentor • The Lifelong Learner • The Sexy Sensei with Killer Dance Moves And let’s not forget: most of us swore we’d never become our parents. Spoiler alert: unless you act intentionally, you’re heading in that direction, with even worse tech skills. Timing Is Everything (And Also Totally Forgiving) The best time to plant a tree? 30 years ago. The second best? Right after you finish this blog, brush Dorito dust off your fingers, and take action. It’s never too early or too late to develop your personal brand. Think of it as building compound interest, but for your character. Start now before you need a doctor’s note for skinny jeans. Build a Brand That Outlasts Your Wi-Fi Password The goal? Shape a brand that becomes your legacy. Something grandkids remember, communities admire, and mirrors reflect with pride. I’m aiming for Hip, Fit & Financially Free. That means: • Eating like I care • Moving daily • Sleeping like it’s my side hustle • Managing money like I want it to stick around • And fiercely guarding my energy from sugar crashes and toxic people Avoid These Unintentional "Elder Brands" • The Cranky Codger: Complains constantly, hates oat milk, gives paper cuts with sarcasm. • The Sweet Old Lady: Harmless and charming—and almost invisible. So sweet, she could give you cavities. Stands for nothing, falls for everything. • The Know-It-All: Believes Google exists solely to confirm their opinions. • The Nona/Nono: Helicopter grandparenting, over-involved, uses spit to clean your face in public. Attract These Brands Instead: 1. Glammy or Glampa 2. Wise Old Owl 3. Sexy Sensei 4. Unstoppable Opa Tips for Maintaining Youth in Mind, Body & Spirit 1. Hang out with younger people—use their slang, apps, and playlists. 2. Volunteer—Gratitude is more effective than Botox. 3. Mentor—your wisdom is not meant for hoarding. 4. Move every day—your joints might protest now, but they'll thank you later. 5. Protect your energy—eat healthy, sleep well, say no to nonsense. 6. Be mindful of your screen time—doomscrolling drains your spirit. 7. Keep learning—new languages, new tech, and new ways to be awesome. Legacy is the Long Game You don’t need to run marathons at 85 (though if you do, I’ll cheer wildly). But you should ask: "How do I want to be remembered?" Learn Italian at age 70. Take a gap year at 65. Get an MBA at 69 (worked for me!). Write your eulogy and then live it. Age isn’t a liability. It’s your proof of resilience. Now’s your opportunity to demonstrate that to the world. So, what’s your brand, Boomer? Because like it or not, you’ve got one. It’s showing up in every family dinner, work Zoom, golf game, and passive-aggressive Facebook post. The only question is — did you choose it… or did you just inherit the ‘We Do Not Care Club’ starter pack?   Maybe we don't care about chin hair, laundry, or your opinion — but we do care about how we’re remembered. That’s your real brand, Boomer. So, you can either define it — or let your grandkids do it for you… and trust me, they’ve already got the group chat ready! So go ahead. Print those business cards that say something fabulous. Brand Strategy at Any Age: Intend it. Live it. Leave it behind.  Stay hip. Stay fit. Stay financially free. And stay tuned. There’s more coming next week.  Spoiler: There will be laugh lines and a squat rack. Don’t Retire … Re-Wire! Sue