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Reclaiming 'Spend': A Retirement Rebellion
June is Pride Month—a celebration of identity, resilience, and the powerful act of reclaiming. Over the years, LGBTQ+ communities have reclaimed words that once marginalized them. “Queer” used to be a slur. Now, it’s a proud badge of honor. Similarly, the Black community has transformed language once used to oppress into expressions of cultural pride and connection. So, here's a thought: What if retirees approached the word “spend” similarly? Yes, you read that right. The psychological Tug-of-War This isn't just about numbers; it’s about narratives. Most retirees have spent their entire adult lives in accumulation mode: save, earn, invest, delay gratification, rinse, and repeat. But retirement flips that formula on its head, and most people weren’t provided with a “mental user guide” for the transition. Now, instead of saving, they’re expected to spend? Without a paycheck? It triggers everything from guilt to fear to a low-grade existential crisis. The Challenge of Saving for an Extended Period Let’s get serious for a moment. The data tells a troubling story: - Canadians over 65 collectively hold $1.5 trillion in home equity (CMHC, 2023) - The average retiree spends just $33,000 per year, despite often having far more resources (StatsCan, 2022) - Nearly 70% of retirees express anxiety about running out of money—despite having significant savings (FCAC, 2022) We’re talking about seniors who could afford dinner out, a trip to Tuscany, or finally buying that electric bike—and instead, they’re clipping coupons and debating the cost of almond milk. Why? Because spending still feels wrong. I Know a Thing or Two About Reclaiming Words As a proud member of the LGBTQ2+ community and a woman who has worked in the traditionally male-dominated world of finance, I’ve had a front-row seat to the power of language, both its ability to uplift and its tendency to wound. There were many boardrooms where I was not only the only woman but also the only gay person, and often the oldest person in the room. I didn’t just have a seat at the table; I had to earn, protect, and sometimes fight to keep it. I’ve learned that words can be weapons, but they can also be amour—if you know how to use them. Reflect on Your Boundaries Take a moment. Have you ever felt prejudged, marginalized, or dismissed? Perhaps it was due to your gender, sexuality, accent, skin colour, culture, or age. It leaves a mark. One way to preserve your dignity is by building a mental toolkit in advance. Prepare a few lines, questions, or quiet comebacks you can use when someone crosses the line—whether they intend to or not. Here are five strategies that helped me stand tall—even at five feet nothing: 1. Humour – A clever remark can defuse tension or highlight bias without confrontation. 2. Wit – A precisely timed comeback can silence a room more effectively than an argument. 3. Over-preparation – Know your stuff inside and out. Knowledge is power. 4. Grace under fire – Not everything deserves your energy. Rise above it when it matters. 5. Vulnerability – A simple “Ouch” or “Did you mean to hurt me?” can be quietly disarming—and deeply human. Let’s Talk About Microaggressions The term microaggression may sound small, but its effects are significant. These are the subtle, often unintentional slights: backhanded compliments, dismissive glances, and “jokes” that aren’t funny. They quietly chip away at your sense of belonging. Dr. Robin DiAngelo’s book White Fragility is a brilliant read on this topic. She explains how early socialization creates bias— “Good guys wear white hats. Bad guys wear black hats.” These unconscious associations become ingrained from an early age. Some people still say, “I’m not racist—I have a Black friend,” or “I’m not homophobic—my cousin is gay.” The truth? Knowing someone from a marginalized group doesn’t exempt you from unconscious bias. It might explain the behaviour, but it doesn’t excuse it. And no, there is no such thing as reverse discrimination. Discrimination operates within systems of power and history. When someone points out a biased comment or unconscious microaggression, they’re not discriminating against you—they’re holding up a mirror. That sting you feel? It’s not oppression. It’s shame—and it’s warranted. It signals that your intentions clashed with your impact. And that’s not a failure; it’s an invitation to grow. Calling it “reverse discrimination” is just a way to dodge discomfort. But real progress comes when we sit with that discomfort and ask: Why did this land the way it did? What am I missing? Because the truth is, being uncomfortable doesn’t mean you’re being attacked. It often means you’re being invited into a deeper understanding—and that’s something worth showing up for. Let’s Reclaim 'Spend' What if we flipped the script? What if spending in retirement was viewed as a badge of honour? Spending on your grandkids’ education, your bucket list adventures or even a high-end patio chair should not come with any shame. You’ve earned this. You’ve planned for this. It’s time to reclaim it. Let’s make “spend” the new “thrive.” Let’s make super-saver syndrome a thing of the past. Let the Parade Begin Imagine it: a Seniors’ Spend Parade. Golden confetti. Wheelchairs with spoilers. Luxury walkers with cupholders and chrome rims. T-shirts that say: - “Proud Spender. Zero Shame.” - “I’m not broke—I’m retired and woke.” - “My equity funds my gelato tour.” Dreams Aren’t Just for the Young What’s the point of spending decades building wealth if you never enjoy it? Reclaiming “spend” isn’t about being reckless—it’s about being intentional. So go ahead—book the trip. Upgrade the sofa. Take the wine tour. You’re not being irresponsible; you’re living the life you’ve earned. And if anyone questions it? Smile and say: “I’m reclaiming the word spend. Care to join the parade?” Sue Don’t Retire…Rewire! 8 Guilt-Free Ways to Spend in Retirement A checklist to help you spend proudly, wisely, and joyfully: ☐ Book the Trip – Travel isn’t a luxury; it’s a memory maker. ☐ Upgrade for Comfort – That recliner? That mattress? Worth every penny. ☐ Gift a Down Payment – Help your kids become homeowners. ☐ Fund a Grandchild’s Dream – Tuition, ballet, a first car—you’re building a legacy. ☐ Outsource the Chores – Pay for help so you can reclaim your time. ☐ Invest in Wellness – Healthy food, massage therapy, yoga. Health is wealth. ☐ Pursue a Passion – From pottery to piloting drones, go for it. ☐ Celebrate Milestones – Anniversaries, birthdays… or Tuesdays. Celebrate always! Want More? If this speaks to you, visit www.retirewithequity.ca and explore more: - From Saver to Spender: Navigating the Retirement Mindset - Money vs. Memories in Retirement - Fear Of Running Out (FORO) Each piece explores the emotional and psychological aspects of retirement—the parts no one talks about at your pension seminar.
James Sample Shares Legal Analysis on President Trump’s Travel Ban
Hofstra Law Professor James Sample shared his legal analysis on President Donald Trump’s new travel ban proclamation in an interview with ABC News. The proclamation bans 12 countries, citing national security concerns as the reason. In the news segment, Professor Sample said he expects the ban to be challenged in court. He also provided similar commentary for KYW Newsradio.
ChristianaCare Becomes First in Delaware to Offer CAR-T Therapy for Advanced Multiple Myeloma
ChristianaCare’s Helen F. Graham Cancer Center & Research Institute is the first in Delaware to offer a powerful new tool in the fight against multiple myeloma—a type of blood cancer that affects plasma cells in the bone marrow. That tool is a new chimeric antigen receptor (CAR) T-cell therapy, called CARVYKTI, which can improve treatment for adults with multiple myeloma that has returned or stopped responding to other treatments. “CAR-T cell therapy represents a paradigm shift in the treatment of multiple myeloma,” said Thomas Schwaab, M.D., Ph.D., Bank of America Endowed Medical Director of the Helen F. Graham Cancer Center & Research Institute." We are expanding access to this life-extending therapy right here in Delaware — close to home, close to hope. This is part of our ongoing commitment at the Graham Cancer Center to ensure our community has access to the most advanced cancer therapies.” Multiple myeloma is a relatively rare cancer, but it still affects a significant number of people each year. In the United States, it is estimated that around 36,110 new cases will be diagnosed in 2025, according to the American Cancer Society What is CAR-T Therapy? CAR-T cell therapy uses a patient’s own immune cells to fight cancer. Doctors first collect the patient’s T cells, which are a type of white blood cell that helps the body fight infections. In the lab, these T cells are reprogrammed by adding a special receptor called a chimeric antigen receptor (CAR). This receptor allows the T cells to recognize specific proteins on cancer cells, acting like a navigation system to help the T cells find and attack the cancer. After this genetic modification, the reprogrammed T cells are expanded in the lab to create a larger army of cancer-fighting cells. Then, they are infused back into the patient’s body, where they go on to find and destroy the cancer cells. This therapy is approved for adults who have already tried several standard treatments, like proteasome inhibitors, immunomodulators and anti-CD38 antibodies, without success. When those treatments stop working, CARVYKTI can offer a powerful new option. CAR T-cell therapy has given new hope to patients with multiple myeloma whose cancer has returned or stopped responding to other treatments. Many people see their cancer shrink or even disappear for a period of time, which can help them live longer and feel better. While the treatment can have short-term side effects, many patients report feeling stronger and having fewer symptoms once they recover. It’s not a cure, but for some, it can mean more time with loved ones and a better quality of life. “This therapy gives our patients a chance when other treatments have failed,” said Zhifu Xiang, M.D., medical oncologist at ChristianaCare Oncology Hematology. “It’s a deeply personalized approach that uses the patient’s own immune system to fight the cancer in a powerful new way. Being able to offer this locally means our patients don’t have to travel far for world-class care.” A Leader in Cell Therapy The Graham Cancer Center’s dedicated team of specialists have been offering CAR-T cell therapy for other cancer types, such as lymphoma and leukemia, since 2018. The center is also recognized by the Foundation for the Accreditation of Cellular Therapy (FACT) for meeting the highest standards in safety, quality and patient care. To learn more about CAR-T cell therapy or other cancer treatments at ChristianaCare, visit christianacare.org/cancer or call the Helen F. Graham Cancer Center & Research Institute at 302-733-HOPE (4673).
What's That Smell? Something is Rotten and Florida Atlantic's Seaweed Expert has the Answers
It’s back…and bigger than before. This summer, Floridians can expect a record amount of it! Sargassum, it smells like rotting eggs and a 'mega bloom' of the algae is expected to wash up on beaches soon. Sargassum is essentially a brown seaweed and also a type of algae. When out at sea, it's an essential item that helps feed fish, turtles, crabs and an array of ocean life. But once it hits land, it begins to rot and can be at the very least annoying and even potentially dangerous to humans by emitting harmful gases. The topic is getting a lot of media coverage - with reporters connecting with experts like Florida Atlantic's Brian LaPointe to get the answers and explanations they need. The Atlantic Ocean has a toxic seaweed problem. Floating in brown islands of algae, this year’s sargassum bloom has already broken its own size record by millions of tons — and the growing season isn’t done yet. Now stretching across some 5,500 miles of ocean, the annual bloom is more than just an eyesore: Sargassum hurts ecosystems and economies wherever its overgrown arms reach. And they are spreading into Florida’s waterways, coating marinas and beaches in the Miami area. “Sargassum goes from being a very beneficial resource of the North Atlantic to becoming what we refer to as … a harmful algal bloom, when it comes ashore in excessive biomass,” said Brian LaPointe, a research professor at Florida Atlantic University’s Harbor Branch Oceanographic Institute. For more than a decade, Atlantic coastal communities have been inundated by more and more sargassum. Images of white sand beaches stretching into azure waters have been altered by the toxic and putrid invasion. In the water, it’s home to larvae and other organisms that can irritate the skin of any passing swimmers. As it rots on shore, it emits harmful gases— an infamous stench. It’s a blight on beaches that repels tourists during the high-travel season, ultimately hurting towns that rely on tourism to fuel their economy. Rising ocean temperatures due to human-caused climate change have spurred this sargassum surplus, supercharging the seaweed. In April, the University of South Florida estimated this year’s bloom is already at 31 million tons — “40% more” than the previous record from June 2022, according to LaPointe. May 15 - CNN Looking to know more? We can help. Brian LaPointe is available to speak with media about seaweed, sargassum and what beachgoers can expect this summer in Florida. Simply click on his icon now to arrange an interview today.
Have you ever dreamed of being an Olympic athlete? Perhaps you have wondered what it would feel like to stand on that podium in front of the world as your national anthem plays. For most Olympic athletes, the journey begins very early in life. But imagine what it would be like if you started training for this event in your 60s? Read on if you want an edge to discover how to win the Retirement Games and still pass the drug test (let’s face it, peeing is not an issue for many at that age)! Here is your chance to get on the podium at the most crucial game of your life. On Your Marks, Get Set, Ready, Go! Retirement was more like a coffee break five decades ago—brief, predictable, and over before your muffin cooled. In 1975, the average Canadian could expect to live about 73.53 years. Fast forward to 2025; we're clocking in at nearly 83.26 years. Even juicier? The lastest research shows half of today's 20-year-olds in Canada are expected to live past 90. That’s why we need to think of retirement these days, not as a sprint; instead, it’s an ultramarathon with hills, potholes, and the occasional pulled hamstring. Most of us never expected to be training for it in our sixties, but here we are—so pull up your compression socks and move. The starter's pistol is about to fire, whether you're ready or not! Surprise! You're Retired While you may dream of selecting your retirement date like a fine wine, many face the reality of a boxed kind instead. Approximately 6 in 10 Americans retire earlier than they planned. Research from the Transamerica Center for Retirement Studies shows that many individuals experience unexpected early retirement due to personal health issues, employer discretion, or family-related circumstances. https://www.cbsnews.com/news/retirement-age-in-america-62-claiming-social-security-early/ Sometimes, it's a health scare, a loved one’s illness, or a harsh employer downsizing. Nobody whispers the term "ageism," but when companies replace senior employees with younger, more affordable talent (or AI bots), it’s not subtle—it’s math.As Morgan Housel reminds us in his bestseller, The Psychology of Money, "The most important part of every plan is planning for your plan, not going according to plan." Expect the unexpected. Train as if retirement could sneak up on you—because it just might. Get Fit, Stay Sharp: Health is the First Leg of the Race Physical and mental health are the fuel for your retirement. The rest doesn’t matter without them; we’re not just talking about lifting weights. (Though, yes, lift some weights.) Regular physical activity provides numerous benefits for older adults, including a reduced risk of dementia and enhanced cognitive function. Exercise can help maintain brain health, reduce mental decline, and even reverse some age-related brain shrinkage. Additionally, physical activity can improve mood, reduce anxiety, and enhance balance and coordination, leading to a better quality of life. • Strength training enhances bone density, metabolism, and mental health. (Source: Mayo Clinic) • Flexibility and balance? Try yoga or tai chi. Harvard Health says they reduce pain and stiffness. • Mental fitness? Cue up Wordle, Canuckle (the Canadian cousin), or Sudoku. • Dancing? It's beneficial for your brain and your swagger • Listening to music or playing an instrument can reduce stress and boost memory. Gold Medal Tip: Motivation is overrated; action is everything. Don’t be a couch potato. A new study conducted at the University of Pittsburgh School of Medicine shows that older adults who spend more time sedentary — such as sitting or lying down — may be at a higher risk for lower cognition and in areas linked to the development of Alzheimer’s disease, no matter how much they exercise! So make sure you show up, move, and the motivation will catch up. Wealth Training: Stop Hoping, Start Budgeting Here's a shocker: Retirement doesn't mean your expenses magically disappear. According to Steve Willems' podcast “10 Retirement Myths You May Not Want to Believe,” most retirees don’t spend less. Aside from the mortgage, spending remains surprisingly consistent, especially during the Go-Go years (ages 55-75)”. We like what we like: groceries, entertainment, travel, and stylish or comfortable clothes are still on our shopping lists. That’s why many of us in retirement will need to pay more attention to spending and budgeting. Check Obligation Spending Retirement is the perfect time to reevaluate expenses from obligation rather than genuine need or joy. Here's a thoughtful way to frame that idea: Retirement is the season of freedom, so why are you still paying for things that feel like a burden? Now that you’re no longer earning a regular paycheck, every dollar matters more than ever. This means it’s time to take a closer look at obligatory expenses. These might include: • Helping adult children financially (even when it stretches your budget) • Donating to every fundraiser or cause just because someone asked • Hosting large family gatherings that leave you exhausted and over budget • Maintaining memberships, subscriptions, or traditions that no longer bring you joy. (We talk a lot more about this in a previous post What’s your Retirement Plan B While generosity is admirable, it shouldn’t jeopardize your financial security or peace of mind. Retirement should focus on investing in what truly matters to you now, rather than keeping up appearances or adhering to outdated expectations. Here’s a gentle mantra to adopt: “I’ve earned the right to say no with love and confidence.” Freeing yourself from obligation spending doesn’t mean becoming stingy; it means becoming intentional. Give where your heart feels full, not where your guilt feels heavy. After all, you didn’t work all those years to keep writing checks out of habit. Balance Beam- Budget What’s your plan when overtime isn’t an option and the budget doesn’t balance? Start with a good old-fashioned reality check: • Write down ALL expenses. • Tally up your income. • Look for a surplus (yay, trip!) or a shortfall (boo, time to pivot). Look at Canadian Government Pensions • Here's the math. Old Age Security (OAS): Max is about $713/month or $8,556/year. And don’t forget the dreaded government clawback (formally known as the Old Age Security Pension Recovery Tax which starts at ~$90,997. • Canada Pension Plan (CPP): The average monthly payment is $758, while the maximum is $1,364 per month or $16,368 per year. So with these two programs combined, provided you meet requirements, as a senior, you're looking at somewhere between $17,000–$25,000/year before tax. If your lifestyle needs a bit more jazz hands, here’s how to bridge the gap: DIY Income Builders: • Slash debt. Every dollar you don't spend is one you keep. • Downsize and bank the equity. • Buy or build an ADU and rent it. I have written more about ADU's here. • HELOC or Reverse mortgage (borrow strategically). • Withdraw from investments (4% rule). • Monetize your skills: consulting, tutoring, or writing that novel you started in 1993. Gold Medal Tip: Track your joy per dollar. If you’re going to spend, make it worth it. Rewire, Don’t Retire: Finding Purpose The biggest myth of retirement? That doing nothing feels good forever. (Spoiler alert: it doesn’t.) Passion is your GPS. It guides you towards what fills your heart. Whether you write poetry, walk dogs, or paint birds wearing tiny hats, your joy matters. And legacy? That’s just purpose with staying power. There’s science to support the benefits of this lesson. A study in JAMA Psychiatry found that people with a sense of purpose had a lower risk of mortality and disability Purpose-Driven Paths: • Volunteer: Look for a cause that fires you up. • Get a part-time job: Perhaps you can fill in at a local bookstore, garden center or be a barista? • Hobbies: Take up painting, pottery, or poetry. • Go Back to School: Many Universities such as The University of Toronto offer free, non-credit courses through programs as part of their community outreach. Seniors (over 60) enrolled at York University may have all or part of their academic fees waived at the domestic fee rate for York University degree credit courses as part of their mature student program. • Spend real time with people you love, maybe your grandkids or elderly parents. • Reconnect with old friends – not just on Facebook, but in person • Get out of your backyard and see the world Gold Medal Tip: You're never too young (or too old) to chase what lights you up. Start a business, get that degree you always wanted, and write that book. Go. For. It. Support: No One Trains Alone Retirement can be lonely. As we age, friends pass, routines fade, and isolation creeps in. That’s why your squad matters more than ever. Find Your Pod: • Family & Friends: Set expectations. Ask for help. Host Sunday dinners. Stay connected. • Fitness & Social Clubs: Join a walking group or participate in a gym class, followed by regular post-sweat coffee. • Faith Communities: Spirituality and structure in one. Sing in the choir. Serve at events. • Third Places: As sociologist Ray Oldenburg says, these are neutral hangouts like libraries, community centers, or your local café. They’re tied to lower loneliness and better mental health. Think of Cheers: “Where everyone knows your name!” Gold Medal Tip: Your local pickleball court or knitting circle might just be your new training ground. Attitude Training: Stop Acting Your Age Here’s a radical thought: Maybe we feel old because we act old. Want to stay young? Stay curious, try new things. Try line dancing, pickleball, bird watching, improv, or learning to code. Yes, code. What was the worst advice our mothers gave us? “Act your age.” Nonsense! Whoever said, “You’re only as old as you feel” was on to something – but let’s take it up a notch: How about you’re only as old as your playlist! The Power of a Youthful Attitude in Retirement A successful retirement isn’t just about savings accounts and spreadsheets — it’s about mindset. A positive, youthful attitude is one of the most powerful (and overlooked) assets you can carry into retirement. Even if you don’t feel youthful or optimistic, “fake it ‘til you make it” is more than just a catchy phrase—it’s a strategy. The goal isn't to accurately describe your aches, fears, or fatigue but to set yourself up for success! Science backs it up: a positive outlook boosts health, sharpens cognition, and increases longevity. From a practical perspective, optimism makes it easier to try new things, adapt to change, and enjoy the present—all essential in retirement. So, if the voice in your head says, “I’m too old for that,” try responding with, “This is my time.” You begin to build because what you tell yourself matters, as does what you believe. Retirement is your reward. Approach it like the vibrant, capable, unstoppable human you are because attitude, not age, sets the tone. Gold Medal Tip: You’re only as old as the last thing you tried for the first time. Try something ridiculous, I double dare you! Final Stretch The Retirement Games are here, and let me be crystal clear: this isn’t amateur hour. This is your Olympic moment, with medals awarded for stamina, strategy, and a solid sense of humour. Whether you're rounding the first turn at 45 or doing your victory lap at 75, now is the time to train. You’ve built strength, stretched your budget, flexed your purpose muscle, assembled your dream team, and rebooted your mindset. Now it’s time to lace up, lean in, and live life to the fullest. This isn’t about perfection; it’s about preparation. You won’t achieve a podium finish through wishful thinking; you’ll attain it through action, adaptation, and a great deal of repetition. So, put on your metaphorical tracksuit (or actual tracksuit if it's laundry day) and begin training with determination. The gold medal retirement isn’t just possible—it’s within reach. Cue the confetti cannon. You’re not just aging—you’re advancing. And champions, as we know, don’t retire… they rewire, recharge, and rewrite the playbook. On Your Marks, Get Set, THRIVE! Don’t Retire … Re-Wire! Sue
Could China Beat America in the Race to Get Boots Back on the Moon?
Call it a matter of pride, national security or a desire for astronomical dominance; there's a sense of urgency within the U.S. government to return to the moon, sparked by China's team of taikonauts, who could land there before American astronauts get back to the lunar surface. The latest space race is a topic that is making national news. Florida Tech's experts are lending their opinions and insights about the likelihood of a lunar return, and what it might mean. NASA, with the urging of many politicians, has been racing to get astronauts back to the moon — before the Chinese land taikonauts on the lunar surface. But what’s the rush to return to a place the United States has already been and left 53 years ago? Especially when Mars looms as an enticing option for interplanetary travel. Space experts say there’s plenty of reasons for the urgency: national pride and national security. But also returning to the moon and building habitats would mean long term dominance in space and ensure access to resources that NASA didn’t know where there when the Apollo missions flew. Now with the Chinese making significant progress in human space exploration, the clock is ticking. “The Chinese in the last 20 years have made amazing strides in all aspects of space. They’re sending robots to the moon on a very regular basis. Now they’re doing some pretty amazing activities even on the far side of the moon, and they have a Chinese space station now in Earth orbit,” said Don Platt, associate professor of space systems at Florida Tech. Can China beat NASA to the moon? “The Chinese have really caught up,” said Platt. “I do believe that the Chinese are definitely advancing their efforts on the moon, and are identifying it as a critical aspect of their strategic future in space." When asked about the prospect of Chinese astronauts making it to the moon before NASA's planned Artemis III mission, Platt said he believes it’s a possibility and he cited the efforts China is making to highlight the importance of the nation's space efforts to its own populace. “They have some amazing videos. They’re really engaging the Chinese public, and really using it to do what what we’ve always done in space, and that is to inspire the next generation and to show the world the technical abilities of the Chinese,” said Platt. May 21 - USA Today The race is on, and it's getting a lot of attention. If you're a journalist following this ongoing story, let us help with your coverage. Dr. Don Platt's work has involved developing, testing and flying different types of avionics, communications and rocket propulsion systems. He also studies astrobiology and biotechnology systems and human deep space exploration tools. Don is available to speak with media anytime. Simply click on the icon below to arrange an interview today.
Do We Need to Worry About Safety at the United States' Busiest Airports?
For the second time in two weeks, air traffic controllers directing planes into the Newark, New Jersey, airport briefly lost their radar. The outages have sparked travel chaos, with hundreds of flight delays and cancellations after the FAA slowed air traffic to ensure safety. The country's aging air traffic control system is in the spotlight. Media, politicians and the public are demanding both solutions for the system and answers on how safe traveling is at the moment. To provide insight, Florida Tech's Margaret Wallace is lending her expert opinion and perspective on the issue. Margaret Wallace is Assistant Professor of Aviation Management at Florida Institute of Technology, where she teaches Air Traffic Control and Airport Management courses. She spent over 15 years in the industry prior to teaching as an Airport Manager (4 years) at Ramstein Air Base in Germany and an Air Traffic Controller (10+ years) in the U.S. Air Force. “The recent communication failure at Newark Liberty International Airport has raised serious concerns about the safety and dependability of air traffic control systems in the United States. On April 28, 2025, the Newark air traffic facilities lost all radio communication with approximately 20 airplanes for up to 90 seconds due to an equipment breakdown. During the outage, pilots and controllers were unable to communicate. Controllers were unable to maintain aircraft separation during crucial flight phases, and pilots were unable to receive air traffic clearances and instructions. Situations like this, as well as aircraft incidents, bring stress and trauma to the controller's mental state. Most people cannot fathom how much mental stress the controller experiences in everyday job settings. Situations with defective equipment, combined with lengthy work hours due to a scarcity of controllers, appear to have taken their toll based on the fact that several controllers have taken leave for mental stress. This situation posed a safety risk to all planes and passengers. Fortunately, there were no incidents, and everyone remained safe. However, this demonstrated some of the flaws in the outdated air traffic system equipment. Sean Duffy, the new Transportation Secretary, has acknowledged the critical need to improve our current technology. While air travel is generally safe, our current administration must continue to prioritize the upgrade of air traffic systems and increasing the staffing in air traffic facilities. To ensure safety, I believe we should consider having airlines restrict the number of flights available and the Air Route Traffic Command Center to introduce delays to avoid overloading the system.” Margaret Wallace If you're interested in connecting with Margaret Wallace about the ongoing issues at airports across the country, let us help. Contact Adam Lowenstein, Director of Media Communications at Florida Institute of Technology, at adam@fit.edu to arrange an interview today.
As the busy summer travel season approaches, CAA South Central Ontario (CAA SCO) and the Ontario Provincial Police (OPP) are teaming up to remind motorists about the importance of Ontario’s Slow Down, Move Over law, a life-saving rule designed to protect emergency responders and roadside workers. CAA clubs across Canada are marking the second Tuesday in May as National Slow Down, Move Over Day today. OPP and CAA SCO representatives are holding an education event at the ONroute King City from 6:30 a.m. to 9:30 a.m. OPP is also conducting a ride-along with the media to highlight enforcement efforts. The timing is especially important as Canada Road Safety Week also begins today, shining a broader spotlight on making Canadian roads safer for all. “Our highways are among the busiest in Canada, and for first responders and tow truck drivers, they are also their workplaces,” said Michael Stewart. “Everyone deserves a safe place to work. Drivers can do their part by slowing down and moving over when they see flashing lights.” The Slow Down, Move Over law is designed to protect their lives. In Ontario, drivers are required to slow down and, if it is safe to do so, move over one lane when approaching a stopped emergency vehicle — including police, fire, ambulance, and tow trucks — with flashing lights activated. Failure to comply could result in fines ranging from $400 to $2,000, three demerit points, and even a possible driver’s licence suspension for up to two years if convicted. “Education and awareness are key,” said Kerry Schmitt. “Each year, first responders and tow operators are put at risk when assisting stranded drivers or attending collisions. By slowing down and moving over, drivers can help make the roads safer for everyone.” CAA SCO and the OPP encourage all drivers to keep safety top of mind, not just during the summer months but every day of the year. For more information about the Slow Down, Move Over law, visit caasco.com.
Retirement: For Better, For Worse, and for Much More Time Together
Retirement is supposed to be your golden reward—freedom from alarm clocks, endless Zoom meetings, and performance reviews. But no one warned you about the relationship performance review that arises when you and your partner suddenly find yourselves spending over 100 hours a week together. For some, it’s bliss; for others, it feels like a full-time job without an HR department. While grey divorce (divorce after age 50) is on the rise in Canada, separation isn’t inevitable. However, marital harmony is also not guaranteed. The truth lies somewhere in between—and that’s where things become interesting. Retirement isn't merely a lifestyle change—it’s a complete identity shake-up, which can create stress even in the strongest relationships. Grey Divorce: An Increasing Trend Though Canada’s overall divorce rate reached a 50-year low in 2020, divorce among people over 50 is increasing—this trend is dubbed grey divorce. According to Statistics Canada, this demographic is increasingly re-evaluating their relationships as they retire (CBC News, 2024). The same pattern is unfolding south of the border, with the AARP reporting a steady rise in senior divorces in the U.S. Grey divorce isn’t just emotionally taxing—it can be financially devastating. Women, in particular, bear the brunt. A study by the National Center for Family & Marriage Research found that divorced women over 50 have 45% less wealth than their married peers. In Canada, the Canadian Institute of Actuaries has warned that divorce later in life can significantly erode retirement savings and delay or derail financial plans. Role Confusion One retired executive shared that after decades of being chauffeured to work, he assumed retirement meant his wife would now be his driver. “I thought she’d just take over that role, as he climbed into the back seat,” he said, genuinely confused. She had other plans that did not involve sitting behind a wheel, taking coffee orders, or navigating roundabouts. He had not yet made the emotional or physical shift from being served to becoming equal. That transition is more complicated than it sounds—and more common than you'd think. When one partner’s identity is career-driven and the other manages the home, retirement necessitates a complete recalibration. Power dynamics shift, control issues surface, and resentment simmers if left unacknowledged. Housework ≠ Heartwork If you're home full-time now, guess what? You’re not a guest anymore. The dishes, the vacuuming, the grocery runs—these are now shared responsibilities. Nothing breeds resentment faster than an unequal workload. Retirement doesn’t mean “relax”; rather, it signifies redistributing the work of life. Unspoken truths will find their voice. Let’s face it—decades of unexpressed frustrations don’t remain buried. They begin to comment on how someone folds laundry, stacks the dishwasher, or leaves the cap off the toothpaste. Retirement magnifies everything: the quirks you used to laugh off? Mansplaining! What habits did you ignore because life was busy? Now they’re front and center. And what bad habits did you have before? They don’t improve with age—they get worse. Emotional and Mental Health Insights Relationship difficulties can trigger anxiety, depression, and loneliness, especially among men who may have smaller support networks outside their marriages. A 2020 study in the Journal of Gerontology found that post-divorce social isolation is closely linked to declining physical and mental health in later life. Not all couples want to—or need to—divorce to find peace. Increasingly, older Canadians are exploring “Living Apart Together” (LAT) arrangements, where partners maintain separate residences while remaining in a committed relationship. Research by the Vanier Institute and AARP suggests that LAT relationships allow for autonomy while maintaining emotional connection—a potential middle ground for couples who struggle with full-time togetherness in retirement. For many, retirement means the loss of structure, identity, and purpose, particularly for those who have closely tied their sense of self to their professional roles. This loss can create irritability, aimlessness, and tension in a partnership. As Harvard Business Review put it, retirement can be especially tough for men because “so many men are bad at retirement” (HBR, 2021). This emotional void often spills over into the relationship, testing its resilience. Retirement often brings a sudden reshuffling of roles at home. Many men who may have spent decades focused on their careers struggle to adjust to a more balanced domestic lifestyle. The Canadian Centre for Policy Alternatives notes that retirement can expose long-standing gendered inequalities in household labour, leading to friction, resentment, and, at times, relationship breakdown. How to Thrive—Together or Apart The goal isn’t perfection; it’s peace, fulfillment, and ample personal space to breathe. Here’s how to get there: creatively, practically, and honestly. 1. Have the Real Conversations Ask the questions you avoided when life was too busy: • “Are we happy?” • “What do you want out of the next ten years?” • “Are there things we’ve never talked about that matter now?” Unspoken expectations are relationship landmines. Bring them to light—gently and often. 2. Separate Bedrooms, United Front Don’t frown; they are more common than you might think and less scandalous than it sounds. Separate sleep equals better rest, less irritation, and sometimes a more intentional intimate life. Please don’t consider it a breakup; position it as a better mattress strategy. 3. The Basement Suite or In-Law Apartment Plan This represents the sweet spot between staying together and going entirely separate. Living in the same house with clearly defined zones provides each partner with breathing room and independence, especially when you’ve grown apart but don’t want to disrupt finances or family. Ground rules are essential: • Who is responsible for what costs? • Shared meals or separate? • New partners—yay or nay? It’s not perfect, but it can be practical. 4. A Second Space: Cottage, Trailer, or Tiny Cabin A humble trailer or rustic cabin might save your marriage. It’s not about luxury—it’s about space, autonomy, and silence when needed. Whether alternating weekends or solo sabbaticals, having a backup place to go can restore harmony at home. 5. Travel Separately (Sometimes) One of you wants to hike Machu Picchu, while the other prefers to nap in Muskoka. You don’t have to compromise; you can take turns. Alternate between solo trips, friend getaways, or short solo retreats. You’ll both return refreshed—and more engaged. 6. Discover New Purpose (or Income) A restless, lost, or bored partner can quietly sabotage the household. Encourage: • Volunteering • Consulting or part-time work • Mentoring • Taking courses or teaching others • Rediscovering old passions If Divorce Is the Best Option At times, the most honest act is to end a marriage with kindness. If this is the only option, there are important factors to consider: Financial Reality Check • Assets will be divided, including the house, pensions, RRSPs, etc. • Expenses double: two homes, two insurance policies, and two fridges to stock. • Retirement income may not be sufficient for both lives. • Legal costs and timing matter more than ever now—because the time to recover financially is limited. There are no pensions in tears. Therefore, if you choose this route, plan ahead. Family Impact • Adult children might feel shocked—or even angry. • Grandchildren can pose challenging questions. • Long-term friendships may weaken. • Shared traditions may require reinvention. This process can be amicable. A new term has emerged among women caring for their ill or aging ex-husbands: “Wasbands.” These women step up with empathy rather than obligation. Vows no longer bind them; instead, they are guided by compassion. Honestly, humanity wins in these situations. There is still love, respect, and history—even if it’s no longer romantic. That is not failure; it is growth. Rewrite the Rules Retirement is not a dead end; it’s a creative reawakening—if you approach it that way. Retirement is a significant life transition—not just financially, but relationally. Like any other chapter in life, it requires renegotiation, mutual respect, and a willingness to evolve. Some couples find deeper intimacy, while others redefine their relationships entirely. The good news? Whether it's under one roof or two, retirement can still be a time of connection, discovery, and, yes, romance. But it also requires some good, old-fashioned adulting. Yes, *adulting*—that modern word we usually reserve for paying bills, booking dental appointments, and reading the fine print. It turns out it’s equally essential in retirement. Emotional maturity, communication, boundary-setting, and a shared approach to evolving roles are all keys. Think of it like the Sonnet Insurance commercials that cheekily remind us adulting is hard but worth it. Retirement is also a factor, especially when approached with intention and a sense of humour. This is your last chapter. Make it a good one. Whether you stay together, sleep apart, live separately under one roof, or consciously uncouple, do it with clarity, kindness, and courage. The goal isn’t a perfect love story; it’s a fulfilling life for both of you. When in doubt, take a walk (alone if necessary). Share a joke. Communicate like adults. And for the love of long-term care insurance, remember: resentment compounds faster than interest. If you enjoyed this article or thought, “Oh wow, this is exactly what my friend/parent/relative needs to read,” please share it. You can also subscribe to the Retirement Literacy newsletter for more smart, candid, and occasionally cheeky insights on navigating life after full-time work. Let’s make retirement not just the end of work, but the start of something meaningful, fulfilling, and a little fabulous. Don’t Retire…Rewire! p.s. Know someone who’s about to retire?— Why not share this worksheet? It’s the best pre-retirement checklist they never knew they needed. 6 Questions to Ask Before Retiring Together Retirement reshapes your schedule, your identity—and your relationship. Before you hand in your keycard, ask these candid questions with your partner. Because the toughest part of retirement isn’t money—it’s time. And you’ll be spending a lot more of it together. 1. What Do You Want This Chapter of Life to Look Like? Dreams misaligned can lead to daily friction. Do you crave adventure while your partner seeks peace and quiet? Map it out—together. 2. How Much Time Do We Really Want to Spend Together? “Always together” sounds sweet—until it feels stifling. Define your ideal balance between shared time and personal space. 3. What Roles Are We Playing Now—And Do They Need to Change? Retirement often means rebalancing housework, caregiving, and emotional labor. What’s fair now that you’re both at home? 4. Are There Any Long-Standing Frustrations We’ve Avoided Talking About? Retirement shines a spotlight on old resentments. It's better to talk than to silently stew over how the dishwasher is loaded. 5. How Will We Handle Money Decisions as a Team? With changing income and more shared expenses, financial transparency and joint planning are more crucial than ever. 6. What Will Give Each of Us a Sense of Purpose—Individually? A restless or bored partner can bring tension into the home. Talk about passions, volunteer work, or part-time pursuits that bring meaning. Want more smart, candid insights? Visit www.retirementliteracy.com to start rewriting your next chapter with clarity and confidence.
Reflecting on the Legacy of Pope Francis
Phyllis Zagano, Senior Research Associate-in-Residence, was interviewed by numerous media outlets following the passing of Pope Francis on April 21, 2025. Dr. Zagano is one of the world’s foremost experts on the question of women deacons and in 2016 was appointed to serve on Pope Francis’ “Commission of Study on the Diaconate of Women” to study this issue. She was the only commissioner to travel from the Western Hemisphere. Dr. Zagano was interviewed by the following media outlets: ABC News (Digital) CNN International National Catholic Reporter Newsday New York Post Religion News Service (column) Reuters WCBS-TV Washington Times