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Tight-Wad or Spend-Thrift?

My friend, Linda, retired at 66 after 35 years as a school principal. She had done everything right. Pension. Savings. No debt. A financial plan so airtight that her advisor framed it. On her first Monday of retirement, she drove to the grocery store, stood in front of the fancy olive oil, and put the $23 bottle back on the shelf. She grabbed the $10 one instead. That night, she called me, genuinely distressed. "Sue," she said, "I don't know how to spend the money." Linda is not alone. Her problem is not a math problem. It is a brain problem. Welcome to the neuroscience of aging and money, where biology is ageist, your prefrontal cortex is quietly retiring before you do, and the financial industry has somehow spent decades teaching you to save without ever explaining how to stop. What Is Actually Happening in That Brain of Yours As we age, the prefrontal cortex, the part of your brain responsible for planning, decision-making, and impulse regulation, starts to lose its edge. Meanwhile, the amygdala, the emotional centre, gains more influence. The result? Decisions that feel more emotional, more risk-averse, and sometimes more impulsive, depending on which way your wiring maps. Research published by Agarwal, S., Driscoll, J. C., Gabaix, X., & Laibson, D. found that financial decision-making peaks around age 53 and then declines steadily. This is not because older adults are less intelligent, but because the cognitive systems that weigh risk and reward begin to operate differently. Biology is ageist, as evidenced by the fact that your brain begins to change its relationship with money before you have even figured out what to do with it. A recent study from the National Bureau of Economic Research found that older adults are significantly more likely to make financial mistakes on both ends of the spectrum: excessive caution and excessive spending. The brain does not uniformly tighten the purse strings. It amplifies whatever pattern was already there. If you were a careful saver, you would become an Olympic penny-pincher. If you were a spender, you would become a one-person economic stimulus package. You become an exaggerated version of your younger self. Which is charming in theory and occasionally catastrophic in practice. Team Tight-Wad: All Chips, No Salsa You know the type. Actually, you might be the type. These are the people who still have their first chequebook, who compare per-unit prices for paper towels with the focus of a neurosurgeon, and who have not eaten at a restaurant without a coupon since the second Harper government. They are not cheap. They are terrified. As the prefrontal cortex loosens its grip on rational future planning, the fear of running out, what I call FORO (Fear of Running Out), takes the driver's seat. It whispers things like: what if the market crashes, what if I get sick, what if I live to 102 and run out of money at 99? And so the tight-wad doubles down. The $23 olive oil goes back on the shelf. The vacation gets postponed. The grandchildren's birthday gifts get slightly less grand. All chips, no salsa. You have built a pile of financial security and are sitting on it, stiff, virtuous, and mildly hungry, while the dip goes untouched. The tight-wad's greatest risk is not poverty. It is regret. Researchers at Cornell University found that people in the final chapters of their lives consistently reported regretting what they did not do far more than what they did. That trip not taken. That renovation not done. That bottle of good olive oil not purchased. FORO kept them safe and small, and the memory of that smallness stings. Team Spend-Thrift: All Salsa, No Chips On the other side of the spectrum, we have the spend-thrifts. As the emotional centres become more active and impulse regulation less reliable, some people lean into the "you only live once" philosophy. They book the trip to Portugal. They buy the golf club they do not need. They pick up the tab for dinner for eight people they met three hours ago. They are generous, spontaneous, and occasionally mystified by their bank statements. Research from Harvard Business School confirms that spending money on experiences and on others generates a meaningful boost in wellbeing. Spend-thrifts are onto something. The problem is sustainability. If the prefrontal cortex is not doing its job by asking "do we actually need this," the credit card bill arrives, and this is why we can't have nice things. Spend-thrifts also tend to underestimate longevity. A 65-year-old Canadian woman today can expect to live, on average, past 87. That is more than two decades of retirement to fund. All salsa, no chips is a delicious way to start a party and a terrible way to sustain it. The Gap Nobody Talks About: Permission to Spend Here is where I want to say something that gets almost no airtime in the financial services industry. We have an enormous education gap on this side of retirement. The entire financial industry, including the advisors, the institutions, the calculators, the seminars, and the books, has spent decades teaching people how to accumulate money. How to save. How to invest. How to sacrifice the latte. The message has been so relentless that it has rewired the way people feel about spending. And then retirement arrives. And nobody says: Okay, you can stop now. You can actually use this. This is what it was for. Switching from accumulation to decumulation requires real support, real education, and genuine permission. It is not a switch you flip. It is a gear shift that many people never make successfully. They arrive at retirement financially prepared but psychologically stuck. Honestly? The mother of all eye rolls is reserved for the financial institution that still calls it a savings account when you are 72. You are not saving anymore. You are managing a spending pool. Here is my modest proposal: once you turn 65, your savings account becomes your spending account. Not a radical rebranding. A psychological one. Words matter. Framing matters. Every time you log in and see the word "spending," your brain starts to normalize the idea that this money has a purpose, and that purpose is your life. Clients need financial therapists as much as they need financial planners. They need someone to look them in the eye and say: you earned this, you saved this, and spending it wisely and joyfully is not a failure of discipline. It is the entire point. Self-Awareness Is the Cheapest Investment You Will Ever Make Recognizing your pattern is step one. If you have not bought anything for yourself that was not on sale in the past calendar year, that is data. If you cannot remember the last time you checked your balance before a purchase, that is also data. Neither is a character flaw. Your brain is doing what it is supposed to do. Step two is to get the right support and give yourself explicit permission. A good retirement income specialist asks what you want your money to do for you now, not just how long it needs to last. A financial therapist helps you untangle your emotional history with money. At some point, you write it down: I am allowed to spend on things that bring me joy, keep me healthy, and connect me to the people I love. Post it somewhere you will see it when you are standing in front of the fancy olive oil. The Punchline Linda eventually bought the $23 olive oil. It took four months, a conversation with her advisor, and an honest chat with her daughter, who pointed out that Linda had about 90 jars of tomato sauce in her basement and no good reason to be rationing condiments. The brain changes that come with ageing are real. They are not personal failures. They are biology doing biology things, loudly and without your consent. But brains are also remarkably responsive to information, reframing, and the occasional kick in the pants from someone who loves you. You spent decades building financial security. The goal was never to die with the most money. It was a good life. All chips AND salsa. The full spread. The $23 olive oil on the good bread, with the people you love. Your spending account is waiting. Honestly, it has been waiting long enough. Because nobody wins a prize for being the richest person in the graveyard. Don’t Retire…Re-Wire! Sue

The Business of Youth Soccer and Youth Sports Participation

With the 2026 FIFA World Cup less starting this week, the University of Delaware's John Allgood is available to discuss the business of soccer, youth sports participation and the tournament's impact on communities and the economy. A former United Soccer League top executive and instructor of sport management, Allgood has firsthand experience in both the business and development sides of the sport. Through his experience as a USL franchise owner, Allgood can discuss the World Cup’s economic impact and why the sport is a unifying force. He can discuss how the World Cup will boost participation and fan interest in soccer, especially among youth players. Allgood can address the tiered structure of soccer in the U.S., including the pay-to-play system in youth soccer that is different from development models in other countries. To arrange an interview with Allgood, send an email to MediaRelations@udel.edu.

Inside the Partnership Between Texas Christian University and Taylor Sheridan’s Four Sixes Ranch

A unique partnership between Texas Christian University and the legendary Four Sixes Ranch is giving students hands-on experience helping shape the future of one of the most recognizable brands in the American West. Recently featured at a major national rodeo event, the ranch’s newly designed retail booth, created by TCU faculty and students, blends heritage-inspired design with modern merchandising, reflecting the ranch’s growing national profile under the ownership of Taylor Sheridan and Nicole Sheridan. “We’re now written into the history of the Four Sixes Ranch.” The collaboration spans fashion merchandising, branding and business strategy, allowing students to contribute directly to product development, retail design and digital marketing initiatives. For students involved, the project offered a rare opportunity to see classroom ideas become real-world products tied to an internationally recognized Texas brand. Faculty members say the partnership reflects TCU’s focus on experiential learning while helping preserve and evolve an important piece of Texas cultural identity. Check out the video TCU and Four Sixes Ranch, and you can read more about this project in the full article below: Looking to connect with Chares Freeman, Kevin Smith, Nicole Bettinger or Rima Shrestha about this exciting project? Simply contact Holly Ellman, Associate Director of Communication, at h.ellman@tcu.edu today.

World Cup 2026: Former soccer executive analyzes tournament economics and youth soccer structure

With the 2026 FIFA World Cup days away, the University of Delaware's John Allgood is available to discuss the business of soccer, youth sports participation and the tournament's impact on communities and the economy. As a former United Soccer League (USL) top executive, Allgood brings firsthand experience and knowledge of the commercial operations and development sides of the sport. He also currently serves as an instructor of sport management at UD. Areas of expertise relevant to the World Cup include: • Economic impact: How the tournament will drive local revenue. • The business of soccer: Sports marketing and the commercialization of global sports entertainment. • U.S. youth soccer: The tiered structure of soccer in the U.S., including the pay-to-play system in youth soccer that is different from development models in other countries. • Participation and interest: How the World Cup will boost participation and fan interest in soccer, especially among youth players. • Soccer as a unifying force: The sports' social impact and how it brings people together. To reach Allgood directly and arrange an interview, click the "contact" button on his profile. Interested journalists can also send an email to mediarelations@udel.edu.

World Cup: Hall of Fame heading expert can talk about concussions

With a focus on concussion research, the University of Delaware's Thomas Kaminski serves as the sole U.S. representative on the FIFA Heading Expert Group, putting UD on the world soccer stage. Kaminski's contributions to the sport earned him a place in the National Athletic Trainers’ Association Hall of Fame. Kaminski, professor of kinesiology and applied physiology at UD's College of Health Sciences, has studied heading in soccer and concussion risk for nearly three decades. It's just one of the many topics he can discuss in relation to the upcoming World Cup: • Concussion risks, prevention strategies and sports-related mild traumatic brain injuries. • Ankle instability and how evolving safety standards are influencing the modern game. • Purposeful headers in interscholastic and intercollegiate soccer. Kaminski will be inducted into the National Athletic Trainers’ Association (NATA) Hall of Fame at the 77th NATA Clinical Symposia & AT Expo on June 30, 2026, in Philadelphia. The award represents the profession’s highest honor and honors members who have dedicated their lives to service and left a lasting impact on the profession. “I’m honored and humbled to join such a distinguished group of athletic training pioneers – people who have shaped and pushed the profession forward to where it is today,” Kaminski said. To reach Kaminski directly and arrange an interview, visit his ExpertFile profile and click on the "connect" button. Interested members of the media can also email mediarelations@udel.edu.

Make your university the visible authority

DATA & TIME Monday, June 22, 2026 - 11:00 am EDT (1 hour) Your university has the expertise. The question is whether the world can find it. In this webinar, we'll show you exactly how leading institutions are building topical Authority Hubs that get their faculty in front of journalists, students, and partners at the moments that matter most. We'll walk through three real examples: Performing Arts -- Carnegie Mellon University The exclusive higher education partner of the Tony Awards since 2014. With 60+ alumni wins and 15 consecutive years of nominations, CMU built an Authority Hub that makes decades of genuine institutional strength finally visible and media-ready. Papacy & Catholic Studies -- Villanova University When Pope Leo was elected, Villanova had qualified scholars ready. Their topical hub connected journalists with the right experts within hours -- showing what it looks like when a university moves at the speed of the news cycle. Sports Events & Research -- University of Delaware Multiple topical hubs built around major events and enduring institutional strengths -- serving media relations, prospective students, and research partners with one repeatable, scalable approach. WHAT YOU'LL LEARN How to identify the moments and topics where your institution already has authority How to structure faculty expertise so journalists and AI platforms can find it How to go from idea to live hub fast -- without technical resources or coding What makes an Authority Hub perform over time, not just at launch WHO SHOULD ATTEND University communications and media relations teams, research communications leads, and anyone responsible for faculty visibility and institutional reputation.

Spielberg's "Disclosure Day" Revives the UFO Debate. But What Would Real 'Disclosure' Mean?

What if the government finally revealed the truth about UFOs and extraterrestrial visitors? That’s the premise of the new Steven Spielberg film “Disclosure Day,” which the director has said was inspired by the U.S. government’s release of previously classified records related to unidentified aerial phenomena (UAPs) that sparked congressional hearings and renewed interest in so-called “disclosure.” But to University of Rochester astrophysicist Adam Frank the real question isn't whether the government is hiding secrets. It's what would count as actual evidence of extraterrestrial interaction. “Over the last several years, we’ve had hearings, testimony, and lots of extraordinary claims,” Frank says. “What we haven’t had is the one thing science requires: hard physical evidence.” Frank, an award-winning science communicator, astrophysicist, and leading expert on the search for extraterrestrial life, says the distinction matters. Stories, rumors, and secondhand accounts may generate headlines, but they don't constitute proof. "What true disclosure would mean is simple," Frank says. "It wouldn’t be stories about alien spaceships, but the actual spaceships. Not stories about alien bodies, but actual physical evidence that independent scientists around the world could examine and verify." As media coverage surrounding UFOs, government transparency, and extraterrestrial life intensifies, Frank offers a grounded scientific perspective on what we know, what we don't know, and how science separates possibility from proof. Frank is available to discuss: • The science behind UFO and UAP investigations • What constitutes evidence of extraterrestrial life • Why government disclosures have so far failed to provide proof • The search for life elsewhere in the universe • How Hollywood portrays alien contact versus scientific reality • Why scientists remain open to — but skeptical of — extraordinary claims "The universe is vast, and the possibility of life elsewhere is real," Frank says. "But if we're going to claim aliens have visited Earth, then we need evidence that meets the same standards we would demand for any other scientific discovery." Frank is a frequent on-air commentator for live interviews and segments in national media outlets and the author of The Little Book of Aliens (Harper Collins, 2023). He also regularly contributes to written publications, including Forbes, The Atlantic, The New York Times, and Scientific American. He is a recipient of the Carl Sagan Medal, which recognizes and honors outstanding communication by an active planetary scientist to the general public. Click on Frank's profile to connect with him. 

Tony Awards: CMU Experts Unpack Broadway’s Biggest Night

As Broadway prepares for the 2026 Tony Awards this Sunday, Carnegie Mellon University experts are available to help media explore the stories behind the stage, from the business of Broadway and the economics of major productions to costume design, theatre history and the behind-the-scenes teams that bring performances to life. CMU’s Tony Awards expert page brings together faculty and specialists who can provide timely commentary on the artistic, cultural and economic forces shaping Broadway’s biggest night. The Business of Broadway Production costs, commercial risk, tourism, jobs, touring productions and Broadway’s wider economic impact. Behind the Scenes The directors, designers, stage managers, technicians and production teams who turn a show into a fully realized theatrical experience. Costume in Theatre How costume design shapes character, period, mood and storytelling on stage. The History of Theatre and Broadway Broadway’s evolution, cultural influence and place within the broader history of theatre. Media can visit CMU’s Tony Awards page to explore available experts and connect directly with the right source for their story.

World Cup: Expert Sees World History in Motion

Most soccer fans watch the FIFA World Cup for the goals, the stars, and the drama. Pablo Sierra Silva sees a lot more. “You’re seeing empire, migration, nationalism, labor, religion, commercialization, and identity all unfolding in real time,” says Sierra Silva, a University of Rochester history professor who teaches a course called “World History Through Soccer.” He adds: “The World Cup is never just 22 players kicking a ball.” As the largest World Cup field ever unfolds across North America, Sierra Silva says the tournament offers a unique lens into the forces shaping the modern world. Fans need only look for it. Take the scheduled Group Stage game between France and Senegal. The matchup reflects centuries of shared history, from French colonial rule in West Africa to contemporary migration patterns and diaspora populations. The crowd, the flags, the chants, and even who is playing can reveal as much as the final score. The same is true for players like Spain’s teenage superstar Lamine Yamal, whose Moroccan and Equatorial Guinean heritage reflects broad changes in European society. “He is redefining what it means to be Spanish,” Sierra Silva says. “This is one of the stories of modern Europe, and soccer makes it visible.” Sierra Silva also studies how the World Cup has evolved into a global cultural phenomenon shaped by social media, celebrity, commerce, and fandom. Even seemingly simple traditions — such as collecting Panini World Cup stickers — offer lessons about geography, migration, and national identity. For journalists looking for unique angles on the World Cup, Sierra Silva can provide expert commentary on: • The history and politics behind international soccer rivalries • Migration, diaspora communities, and national identity • Race, religion, and representation in global sport • Sports marketing, fandom, and media culture • The World Cup as a reflection of world history and its various impacts on nations  “People feel connected to histories and identities through these teams,” Sierra Silva says. “That’s why it matters.” To connect with Sierra Silva, contact University of Rochester media relations specialist David Andreatta at david.andreatta@rochester.edu.

The World Cup Beyond the Pitch

As the FIFA World Cup kicks off this month across Canada, the United States, and Mexico, global attention will focus on the action on the field. But some of the most important stories surrounding the tournament may happen beyond the final score. A recent Hofstra University article 'Hofstra History Professor Plays Key Role in 2026 World Cup Antidiscrimination Efforts' highlighted the work of historian and soccer scholar Brenda Elsey, who has been involved in efforts to address discrimination, inclusion, and fan culture issues connected to major international football events. Her work examines how race, gender, politics, identity, and social change intersect with the world's most popular sport. Dr. Brenda Elsey is a leading soccer scholar whose research explores the intersection of football, politics, gender, and society in Latin America. She has written extensively on the history and cultural impact of the sport, including its role in shaping identity, social movements, and international events. View her profile here For journalists, the 2026 World Cup presents opportunities to explore topics ranging from fan behaviour and inclusivity to the social and cultural impacts of hosting one of the largest sporting events on the planet. Questions around accessibility, equity, nationalism, gender representation, and the evolving role of sport in public life are expected to be part of the broader conversation surrounding the tournament. Brenda Elsey is a leading expert on the history, politics, and culture of soccer, with particular expertise in issues of gender, discrimination, and social justice in sport. Her research has examined how major international tournaments reflect broader societal trends and challenges, making her a valuable source for media looking to provide deeper context beyond match results and standings. Whether covering host cities, fan experiences, emerging controversies, or the legacy of the tournament, journalists seeking expert insight into the broader cultural significance of FIFA World Cup 2026 should consider connecting with Brenda Elsey.