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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?

Seniors Pay the Highest Price When Politicians Dismiss Healthcare Evidence

Disclaimer: This is an opinion piece. It reflects the author's perspective and should not be considered medical advice. Please consult with your physician or healthcare provider to discuss your individual health and vaccination needs. If you’re experiencing health issues, don’t rely on blogs (even snappy ones)—rely on a qualified medical professional. Fall is here. Kids are back in class, pumpkin spice is back in mugs, and—like clockwork—news headlines are back stirring fear and doubt. This season, RFK Jr. is making noise about vaccines, throwing science under the school bus, and leaving some older Canadians wondering: Who should I trust—politics or science? Spoiler: if you’re betting on politics to keep you healthy, you might as well ask your neighbour’s cat for medical advice. So, let’s get back to basics: what shots you really need, why the science is solid, why politics muddies the waters, and how you can be your own best health advocate. Oh, and because you know me—I’ll sprinkle in a few “if only” vaccines we all wish existed. Science vs. Politics: Who Wins? Science: Vaccines work. They reduce severe illness, save millions of lives, and prevent outbreaks of diseases we thought we’d left in history books. COVID-19 vaccines alone are credited with saving over 1.4 million lives in Europe since 2020. Vaccines aren’t some modern fad cooked up in a lab—they’ve been saving lives since 1796, when English doctor Edward Jenner made a discovery that led to the first smallpox vaccines, which at the time was one of the deadliest diseases on earth. Fast forward to today, and the results speak for themselves. Data from the CDC shows that vaccines have slashed major diseases in the U.S. and Canada to the point where polio and smallpox haven’t been seen in decades—down from tens of thousands of cases every year in the 20th century. Even measles, which has made a resurgence due to rising vaccine skepticism, is still nowhere near the half-million infections Americans used to see annually. Thanks to vaccines, measles, pertussis, mumps, and rubella are now more likely to show up in a history book—or on a pub trivia night—than in your family doctor’s office. Over a century of data shows that vaccines don’t just work—they’ve rewritten medical history. A landmark CDC study published in JAMA by researchers Sandra W. Roush (MT, MPH) and Trudy V. Murphy, MD, with Centers for Disease Control and Prevention, Atlanta, Georgia did a major study comparing disease rates before and after vaccines became widespread.  The results were jaw-dropping: Cases of diphtheria, mumps, pertussis, and tetanus dropped by more than 92%, and deaths by more than 99%. Endemic polio, measles, and rubella have been eliminated in the U.S and Canada. Smallpox is gone from the globe. Even newer vaccines introduced since 1980—like those for hepatitis A, hepatitis B, Hib, and chickenpox—cut cases and deaths by 80% or more. The evidence found by the CDC study was so overwhelming that the authors called vaccines “among the greatest achievements of biomedical science and public health” (Source: JAMA, 2007) The number of cases of most vaccine-preventable diseases is at an all-time low; hospitalizations and deaths have also shown striking decreases. Think about it. When was the last time someone at your dinner table worried about catching smallpox? Enter RFK Jr., stage left. He has wasted no time since his appointment as US Secretary of Health & Human Services to undermine confidence in the public health system.  His recent moves—firing the CDC director, cutting mRNA funding (even for cancer vaccines!), and gutting expert panels—are sowing doubt faster than a Toronto raccoon opening a green bin. Even Dr. Martin Makary, Commissioner of Food and Drugs for the U.S. Food and Drug Administration (FDA), recently chimed in with an opinion piece published last week in  The Wall Street Journal. His take? Vaccines should mostly be reserved for high-risk groups, healthy people don’t really need them, and maybe we should start running more placebo trials “just to be sure.” That sounds reasonable until you realize it’s the same playbook RFK Jr. uses: shrink access, shift the burden of proof endlessly, and treat vaccines like optional extras. When Politics Drowns Out Science, Seniors Pay the Highest Price When politics drowns out science, we pay the highest price. Because the truth is: our immune systems age just like our knees do—creaky and slower to respond. Vaccines aren’t optional; they’re essential. Demanding new placebo trials for vaccines we already know work is like asking a baker to prove yeast makes bread rise every single year. And framing vaccines as “only for the sick” ignores the basic truth: when coverage falls, outbreaks rise. Period. Vaccines for Canadian Adults & Seniors (Source: Health Canada) Vaccines aren’t just for kids—they’re part of healthy aging, too. Health Canada has issued clear guidelines on which shots adults and seniors should have on their radar, from flu and pneumonia to shingles and RSV. Think of it as a maintenance schedule for your immune system. That said, every person’s health history is unique, so always check with your doctor or healthcare provider before rolling up your sleeve. Flu shot (Seasonal Influenza Vaccine) – Protects against flu strains that mutate yearly (PHAC – Influenza Vaccine). Everyone should receive it annually; seniors may be eligible for a high-dose version. Pneumococcal (Pneu-C-20) – Shields you from pneumonia, bloodstream infections, and meningitis (PHAC – Pneumococcal Vaccine). One dose at 65+. Shingles (Recombinant Zoster Vaccine – RZV) – Stops the chickenpox virus (that never left your body) from staging a painful comeback tour (PHAC – Shingles Vaccine Guidance)—two doses, starting at age 50. Tdap (Tetanus, Diphtheria, Pertussis Vaccine) – Protects against lockjaw, a throat infection, and whooping cough (PHAC – Tdap Vaccine). One-time booster, then Tdap every 10 years. Polio (Inactivated Poliovirus Vaccine – IPV) – Keeps polio from making a comeback (PHAC – Polio Vaccine). Needed if you missed doses or travel to outbreak zones. RSV (Respiratory Syncytial Virus Vaccine) – Prevents serious lung infections in older adults (Health Canada – RSV Vaccine Information). Recommended for ages 75+ or in long-term care. MMR (Measles, Mumps, Rubella Vaccine) – Blocks childhood triple threats (PHAC – MMR Vaccine). One dose if born after 1970 and not immune. Varicella (Chickenpox Vaccine) – For those who have never had chickenpox (PHAC – Varicella Vaccine). Two doses under age 50; For those over 50, the shingles vaccine is recommended. The Vaccines We Wish Existed Because let’s face it: medicine has cured smallpox, but not small talk. RV – Rectitious Vision Correction: For correcting poor attitudes and selective hearing in spouses. FOMOVAX: Stops the green-eyed monster when your friends are on a Caribbean cruise and you’re at Costco. TechTonic: For when Zoom won’t unmute and your iPad keeps asking for your “Apple ID you made in 2009.” EarPeace: Selective hearing—blocks whining, amplifies compliments. WineNot: The Thanksgiving booster that helps you tolerate in-laws, politics talk, and Uncle Bob’s gravy complaints. MemoryMap: Protects against the “where did I put my glasses?” epidemic. Spoiler: they’re on your head. If only. Until then, we’ll have to stick with flu and shingles shots. Screening Schedule: The Other Half of the Health Checklist Keeping your health on track sometimes feels like managing a full-time maintenance schedule. After all, the human body has more moving parts than a Canadian Tire catalogue—so of course things need regular tune-ups. If vaccines are like scheduled oil changes for your immune system, screenings are more like the regular safety inspections—checking the brakes, the lights, and making sure nothing rattles when it shouldn’t. Our bodies have a knack for keeping secrets until it’s too late, which is why Health Canada and national guidelines recommend routine checks for cancer, heart health, bone strength, and more. Here’s the recommended Health Canada guidelines—your doctor may adjust based on your risk.: Cervical (Pap test): Every 3 years, ages 25–69 (CTFPHC – Cervical Cancer Guideline). Breast (Mammogram): Every 2–3 years, ages 50–74 (CTFPHC – Breast Cancer Screening). Colorectal (Colonoscopy or FIT test): Every 2 years (FIT) or 10 years (colonoscopy), ages 50–74 (CTFPHC – Colorectal Cancer Screening). Prostate (PSA test): Discuss with your doctor around age 50 (CTFPHC – Prostate Cancer Guideline). Lung Cancer Screening: For current/former heavy smokers, typically ages 55–74 (Canadian Partnership Against Cancer – Lung Cancer Screening). Bone Density (DXA scan): At 65+ or earlier if at risk (Osteoporosis Canada – BMD Testing). Blood Pressure & Cholesterol: Annual or as needed (Hypertension Canada Guidelines). Diabetes (A1C test): Every 3 years starting at 40 (Diabetes Canada – Clinical Guidelines). Your Fall Holistic Health Checklist Still with me?  Here's a checklist that I personally follow as a seasonal tune-up—part vaccines, part screenings, part lifestyle hacks. It’s not about chasing perfection; it’s about making sure you’ve got the energy to keep doing what you love (and maybe even outpace the grandkids). Whether you’re just easing into retirement, solidly in the groove, or rocking your seventies with style, these age-by-age tips will help you stay sharp, strong, and one step ahead of sneaky health surprises. Pre-Retirees (55–64) • Annual flu shot • Covid-19 shot • Start shingles series (50+) • Tdap booster if due • Immunization catch-up (MMR, polio, varicella) • Screenings: Pap, mammogram, colon, bloodwork • Exercise, hydrate, and learn to say no—yes, that’s preventive care too. Post-Retirees (65+) • Annual flu shot (high-dose if offered) • Covid-19 shot • Pneumococcal vaccine • RSV vaccine (75+ or communal living) • Shingles vaccine if not done • Screenings: colon, prostate, bone density, cholesterol, diabetes • Keep bones strong: vitamin D, weight training, and occasionally lifting grandkids count. Active Retirees (70+) • All of the above • Review meds and fall-prevention strategies • Stay social—book clubs, golf leagues, dance classes. Loneliness is a silent epidemic. • Advocate for friends, spouses, and grandkids—because being the family health quarterback matters. Your Best Shot: Be Your Own (and Your Community’s) Advocate Vaccines and screenings are only half the story—the other half is using your voice. Seniors have enormous influence, and when you speak up, policymakers listen. Here are a few ways to make sure your concerns don’t get lost in the shuffle: Start local. Write a short letter or email to your Member of Parliament, MPP, or Mayor. Personal stories are more powerful than statistics—tell them why vaccines, screenings, and health services matter to you and your community. Pick up the phone. Constituency offices actually log every call, so even a five-minute conversation with a staffer goes on record. Think of it as Yelp for public policy. Go public. A letter to the editor in your local paper or a well-placed comment at a town hall gets noticed by decision-makers. Be persistent (but polite). Politics moves slowly, but steady nudges add up. You don’t need to storm Parliament—just keep knocking on the door. You’ve spent a lifetime paying taxes, raising families, and building communities—you’ve earned the right to be heard. And let’s be real: nobody wants to mess with a senior who’s got a phone, an email list, and time to follow up. This fall, don’t let politics steal your peace of mind. Don’t let headlines plant seeds of doubt. Vaccines and screenings aren’t about fear—they’re about freedom: freedom to keep moving, keep laughing, keep living the “Hip, Fit & Financially Free” life you deserve. And until they invent the "WineNot" booster or the "MemoryMap" shot, your best defence is still the good old-fashioned flu, shingles, and pneumonia vaccines—plus the screening tests that catch sneaky stuff early. So roll up your sleeve. Book that screening. Be your own health advocate. And while you’re at it, sign your spouse up for the RV shot—because an attitude adjustment should absolutely be a household vaccine. Stay healthy. Don't Retire - Rewire! Sue Resources Want to dig deeper? Here are links to a few of my other health and wellness posts where I share practical tips, a little humour, and more ways to keep your retirement years strong, savvy, and stress-free. > The Retirement Games: From Sprint to Marathon, The New Retirement Reality > Life Hacks in Retirement: Strategies for Aging Well Also for each vaccine mentioned, here are some links to trusted sources of information.  Please consult with your physician or healthcare provider before commencing with any treatment. COVID-19 Public Health Agency of Canada (PHAC) - COVID-19: Spread, prevention and risks - https://www.canada.ca/en/public-health/services/diseases/2019-novel-coronavirus-infection/prevention-risks.html Flu Shot (Seasonal Influenza) Public Health Agency of Canada (PHAC) – Canadian Immunization Guide, Influenza Chapter: https://www.canada.ca/en/public-health/services/publications/healthy-living/canadian-immunization-guide-part-4-active-vaccines/page-10-influenza-vaccine.html Pneumococcal (Pneu-C-20) PHAC – Canadian Immunization Guide, Pneumococcal Chapter: https://www.canada.ca/en/public-health/services/publications/healthy-living/canadian-immunization-guide-part-4-active-vaccines/page-16-pneumococcal-vaccine.html Shingles (Recombinant Zoster Vaccine – RZV) PHAC – Shingles Vaccine Guidance: https://www.canada.ca/en/public-health/services/publications/vaccines-immunization/shingles-vaccine.html Tdap (Tetanus, Diphtheria, Pertussis) PHAC – Tdap Vaccine - https://www.canada.ca/en/public-health/services/publications/healthy-living/canadian-immunization-guide-part-4-active-vaccines/page-21-tetanus-diphtheria-pertussis-vaccine.html Polio (IPV) PHAC – Polio Vaccine Guidance - https://www.canada.ca/en/public-health/services/publications/healthy-living/canadian-immunization-guide-part-4-active-vaccines/polio-vaccine.html RSV (Respiratory Syncytial Virus) - Health Canada – RSV Vaccine Information - https://www.canada.ca/en/health-canada/services/drugs-health-products/vaccines/respiratory-syncytial-virus.html MMR & Varicella - PHAC – Measles, Mumps, Rubella, Varicella Chapters: https://www.canada.ca/en/public-health/services/publications/healthy-living/canadian-immunization-guide-part-4-active-vaccines.html

Are GCSEs delivering for students and society?

Ahead of the GCSEs results being released on Thursday 21 August Aston University work psychologist, Dr Paul Jones, discusses whether the exams are fit for purpose. He believes that our exam system narrows thinking, and GCSEs emphasise “right answers” and rote recall, creating risk-averse learners who are afraid to fail or think differently. Exams are harming wellbeing GCSEs were designed in the 1980s, when many left education at 16. Today, almost all young people continue to 18, yet they still face a stressful halfway checkpoint that often does more harm than good. Research shows GCSEs are linked to anxiety, sleeplessness and even self-harm. This isn’t about students being “less resilient”, t’s about a system that has prioritised bureaucracy, league tables, and exam statistics over wellbeing. GCSEs don’t prepare students for life Exams reward the ability to memorise and recall under pressure, but the world beyond school demands much more. Employers and universities want young people who can think critically, manage their own learning, collaborate, and adapt. By the time many reach university, students are burnt out from years of high-stakes testing. They often struggle with independence, risk-taking, and curiosity, the very qualities they need to succeed. Over-assessment stifles innovation Our exam system narrows thinking. GCSEs emphasise “right answers” and rote recall, creating risk-averse learners who are afraid to fail or think differently. Innovation, however, requires psychological safety: the freedom to explore, experiment, and make mistakes. In a world where AI can already handle routine tasks like recall and pattern analysis, the human edge lies in breaking moulds, challenging assumptions, and combining knowledge in new ways. Our current system suppresses exactly those skills. Moving GCSEs into the future We need fewer, smarter assessments and a curriculum that builds creativity, resilience, and innovation. Other countries use project-based learning, portfolios, and sampling tests to capture what young people can really do. Wales is already embedding wellbeing and digital skills into its new curriculum. England risks being left behind if it continues to cling to an exam-heavy model designed for a different era. The bottom line Our young people deserve an education that prepares them for life, not just for exams. We should be measuring what really matters: wellbeing, creativity, and the ability to thrive in a fast-changing, AI-driven world. To speak to Dr Jones or for any media inquiries in relation to this please contact Nicola Jones, Press and Communications Manager, Aston University on (+44) 7825 342091 or email: n.jones6@aston.ac.uk

The Canadian Housing Market is a Mess

The Social Contract is Broken—And We Forgot to Tell Our Kids There was a time in Canada when the rules seemed straightforward: work hard, stick to the plan, and your kids would have an even better future than you did. That was the unspoken social contract—not legally binding, but deeply believed. A handshake between generations, sealed with maple syrup and mutual optimism. You purchased a modest home, stayed with one employer for 30 years, and retired with a gold watch, a pension, and a house you owned outright. Life wasn’t flashy, but it was fair. And your kids? They would climb even higher. Well… about that! The Housing Market: From Stepping Stone to Stumbling Block Homeownership used to be a rite of passage. Now it feels more like winning The Amazing Race: Toronto Edition. According to Statistics Canada housing data, in 1990, the average Canadian home sold for approximately $215,000. Fast-forward to late 2023–early 2024, and that number has ballooned to around $670,000–$700,000 on average —a more than 200–225% increase in just over three decades. Meanwhile, wages didn’t get the memo. Since 1990, they’ve only doubled. So, while home prices soared, incomes shifted to the kitchen for more instant noodles. It's not just a gap—it’s a canyon. Sure, there was a housing correction in the early ’90s. But if you’re under 40, you’ve never seen a price drop—only stable prices (on a good day). Meanwhile, boomers and older Gen Xers bought homes when down payments didn’t require a GoFundMe page. Boomers Rode the Rocket—Then Pulled Up the Ladder Let’s be honest: we did quite well. If you purchased property in the ’70s, ’80s, or ’90s, you benefited from a wave of equity that transformed retirement into a cruise ship brochure. For many, the house became the largest—and only—source of real wealth. We got used to it. Then we got protective. Then... well, a bit smug. • NIMBYism? Guilty. • Zoning restrictions? Voted yes. • Capital gains reform? Over my arthritic body. • Preferred Pronouns – Me, Myself and I We feared anything that could lower our property values. A 25% correction? Not in my golden years! But that might be what it takes to give our kids a fair shot. We told them to "work hard," then quietly reinforced a game they couldn’t win. We Told Them to Hustle—Then Rigged the Game Today’s young Canadians aren’t lazy; they’re exhausted. They’ve done everything we asked—degrees, careers, even side hustles—and still can’t afford a 500-square-foot shoebox in Toronto without cashing in their RRSPs or moving back into our basements. By the way, they’re doing this—not because they missed us, but because rent is eating up half their paycheque and still asking for dessert. Even worse? Many are looking abroad, not for a gap year, but for an economy in which they can participate—one where they might be able to afford a home and groceries in the same month. If the best and brightest are quietly packing their bags, it’s not wanderlust; it’s a policy failure. There’s now a whole ecosystem catalyzed by everything from consultants to cloud-based software and payment platforms that has aided a global movement of “creative-class” digital nomads. For those who want a more affordable cost of living and have the skills necessary to work remotely, this generation has options to move. In "Intelligent Money," author Chris Skinner envisions a future where AI-powered financial systems won’t just advise against homeownership—they’ll actively discourage it. Why commit to mortgage debt when you can rent flexibly, invest digitally, and maintain liquidity in your life? Not a dream, but a necessity. We told them to pull up their socks. They’re wondering if we sold their shoes. What Happened to Profit Sharing? Remember when companies used to share their success? Microsoft, Google, and yes, still Costco, offered profit-sharing or stock options that turned employees into unexpected millionaires. It wasn’t charity; it was a fair deal. Then gig work emerged, HR departments disappeared, and the only thing we shared was burnout. We need to restore fairness—perhaps even incentivize companies that value loyalty. Renter Equity Accounts: A Radical Concept—Equity You're not building wealth if rent is more than 30% of your income. You’re funding someone else’s retirement. So, here’s a thought: when rent exceeds 30%, why don’t we match the excess—25% to 50%—and deposit it into a locked “Renter Equity Account”? It grows tax-free and can be used for: • A down payment • Retirement savings • Student debt relief • Emergency funds Employers could contribute to REA plans. Governments could provide incentives, and renters could finally receive more than just a rent receipt and a pat on the back. It's Time for Bold, Practical Ideas We can’t rewind to 1990. (Although the fashion world is trying.) But we can fix what’s broken: Let Canadians earn their first $250,000 tax-free, provided it is used for a down payment or to eliminate student loans. That’s helping reduce overall debt. Ensure zoning reform is effective by linking federal infrastructure funding to genuine housing development. Establish public wealth tools - TFSA-style accounts for low-wealth, high-effort Canadians. Forgive student loans for public service, specifically for individuals filling positions such as nurses, teachers, early childhood educators, and tradespeople, with added incentives for those relocating to underserved areas. Invest in them, and they will reinvest in us. What Families Can Do—Right Now No, you can’t rewrite national policy from the kitchen table. (Unless you’re Chrystia Freeland.) But here’s what you can do: Start a down payment fund—consider using a TFSA or an investment account to help your kids build capital. Create an ADU—laneway homes, granny suites, legal basement rentals. Housing and support combined. Access your home equity—HELOCs or reverse mortgages can be lifelines, not luxury options. Create a rent-to-own family plan—turn monthly rent into future equity. Discuss finances—share your successes, warn against mistakes, and share the financial knowledge you’ve gained from hard lessons. An Apology—from the Heart To our kids and to the next generation, we should say we’re sorry. We didn’t plan for this outcome. We assumed the paths we walked would still be open for you, that the same rules would still apply, and that equity would be available to all. We forgot that a contract—even an unspoken one—still needs to be honoured. But it’s not too late. We can speak out. We can share our thoughts. We can change the policies, shift the mindsets, and reopen the doors that have been closed, because the future of this country shouldn’t be something you have to leave to find. Let’s fix this. So, you can stay. And thrive. And lead. Let’s rebuild the contract together. Deal? Don’t Retire … Re-Wire! Sue

AU research team awarded $4.4 million American Heart Association grant

A research team at Augusta University, led by Jennifer C. Sullivan, PhD, has secured a $4.4 million grant from the American Heart Association to study the risk factors for cardiovascular and kidney diseases and how they impact women. Sullivan’s research center, “Disruptions in cardiorenal free fatty acid metabolism in Cardiovascular Kidney Metabolic Syndrome,” is part of a larger $15 million project titled “Strategically Focused Research Network on Cardiovascular Kidney Metabolic Syndrome: Heterogeneity in Women.” The overarching AHA project is aimed at learning why women may be more likely to develop cardiovascular and kidney diseases due to certain unique risk factors and life stages. Research teams from Massachusetts General Hospital and The Ohio State University were also chosen. “I think this is a huge step for Augusta University as we continue to distinguish ourselves and the research that we have here focused on the health of women,” said Sullivan, dean of The Graduate School. “This grant is particularly impactful as we look to advance and improve the health of women, not just in Georgia, but for the entire country.” According to the Healthy Georgia Report, produced by AU’s School of Public Health, Georgia has the 23rd highest rate of obesity in the United States. Among the women living in the state, 38.3% of them, as well as 37.5% of people living in rural areas, suffer from obesity. “It’s great that we are able to represent the state of Georgia because our state has such a high prevalence for obesity rates,” said Sullivan, who is the director of AU’s SCORE project “Improving awareness of women with hypertension: ROAR (Rural, Obese, At Risk).” “It’s important for us to understand that different populations have distinct needs. You can’t talk about a one-size-fits-all approach to health. This is really about trying to understand how different groups are impacted.” Each center is comprised of three teams, as well as a training component and an area partner. Together, they will explore obesity’s lifetime impact on CKM syndrome through three projects. CKM syndrome is a clinical term that describes the combined health effects of heart disease, kidney disease, diabetes and obesity, which puts people at high risk for heart attack, stroke and heart failure. According to the American Heart Association’s 2025 Heart Disease and Stroke Statistics, about 1 in 3 U.S. adults has at least three components of CKM syndrome, which include high blood pressure, abnormal cholesterol, high blood glucose (sugar), impaired kidney function and excess body weight. The first project is led by Daria Ilatovskaya, PhD, and Justine Abais-Battad, PhD, and will look at aging and Western diet-induced CKMS mechanisms in obesity. Ilatovskaya is an associate professor and the graduate program director for the Doctor of Philosophy in Physiology program, and Abais-Battad is an assistant professor in the Department of Physiology with the Medical College of Georgia at Augusta University. The second component, led by Jessica Faulkner, PhD, an assistant professor in MCG’s Physiology department, will study obesity-associated mechanisms of CKMS in pregnancy. The third project, led by Stephen Coughlin, PhD, with Marlo Vernon, PhD, is looking at CKMS epidemiology, associations with obesity, CVD/CKD. Coughlin is the program director for the Master of Science in Epidemiology and professor of epidemiology in the School of Public Health’s Department of Biostatistics, Data Science, and Epidemiology, while Vernon is an associate professor with MCG’s Georgia Prevention Institute and SPH’s Department of Community and Behavioral Health Sciences. Additionally, the team will talk to women and health care providers from a variety of backgrounds and experiences to assess current knowledge and interest levels in heart health and use that information to develop programs that may help treat and prevent disease. There is also a training director, Alison Kriegel, PhD, a professor in the Department of Physiology, and a core director, Guido Verbeck, PhD, chair and professor of the Department of Chemistry and Biochemistry in the College of Science and Mathematics. “We have a strong blend of clinical epidemiology and basic science, as well as a training component, which we will fill with post-doctoral fellows,” Sullivan said. “Dr. Ilatovskaya, Dr. Faulkner, Dr. Abais-Battad and Dr. Vernon are all a part of our ROAR grant, and, while this isn’t directly related to that program, it allowed us to demonstrate how we are already well positioned to work together to amplify our ability and increase awareness about the importance of the health of women.” The team has over 50 collaborative papers and has secured more than $13 million in collaborative funding to advance the health of women. They also all have experience training fellows and students to continue to expand their reach. “We already have a lot of the infrastructure in place for this kind of cross-disciplinary project, so we leaned very heavily into our connections and the expertise we have here at Augusta University. It’s set up very similar to our ROAR program, so this is something that was really organic in nature,” Sullivan said. The American Heart Association has invested almost $300 million to establish 18 Strategically Focused Research Networks, each aimed at addressing a key strategic issue identified by the association’s volunteer Board of Directors. Prior networks have been studying a wide variety of important topics including, but not limited to, prevention, hypertension, the health of women, heart failure, obesity, vascular disease, atrial fibrillation, arrhythmias/sudden cardiac death, cardiometabolic health/type 2 diabetes, health technology, cardio-oncology, the biological impact of chronic psychosocial stress and the role of inflammation in cardiovascular health. Each network centers around scientific knowledge and knowledge gaps, prevention, diagnosis and treatment of the key research topic. Three to six research centers make up each network, bringing together investigators with expertise in basic, clinical and population/behavioral health science to find new ways to diagnose, treat and prevent heart disease and stroke. Funding scientific research and discovery through initiatives like these awards is a cornerstone of the century-old American Heart Association’s lifesaving mission. The association has now funded more than $5.9 billion in cardiovascular, cerebrovascular and brain health research since 1949, making it the single largest non-government supporter of heart and brain health research in the United States. New knowledge resulting from this funding continues to save lives and directly impact millions of people in every corner of the U.S. and around the world. Looking to know more about the amazing research happening at Augusta? To connect with Dr. Sullivan, simply click on her icon to arrange an interview today.

Hiring More Nurses Generates Revenue for Hospitals

Underfunding is driving an acute shortage of trained nurses in hospitals and care facilities in the United States. It is the worst such shortage in more than four decades. One estimate from the American Hospital Association puts the deficit north of one million. Meanwhile, a recent survey by recruitment specialist AMN Healthcare suggests that 900,000 more nurses will drop out of the workforce by 2027. American nurses are quitting in droves, thanks to low pay and burnout as understaffing increases individual workload. This is bad news for patient outcomes. Nurses are estimated to have eight times more routine contact with patients than physicians. They shoulder the bulk of all responsibility in terms of diagnostic data collection, treatment plans, and clinical reporting. As a result, understaffing is linked to a slew of serious problems, among them increased wait times for patients in care, post-operative infections, readmission rates, and patient mortality—all of which are on the rise across the U.S. Tackling this crisis is challenging because of how nursing services are reimbursed. Most hospitals operate a payment system where services are paid for separately. Physician services are billed as separate line items, making them a revenue generator for the hospitals that employ them. But under Medicare, nursing services are charged as part of a fixed room and board fee, meaning that hospitals charge the same fee regardless of how many nurses are employed in the patient’s care. In this model, nurses end up on the other side of hospitals’ balance sheets: a labor expense rather than a source of income. For beleaguered administrators looking to sustain quality of care while minimizing costs (and maximizing profits), hiring and retaining nursing staff has arguably become something of a zero-sum game in the U.S. The Hidden Costs of Nurse Understaffing But might the balance sheet in fact be skewed in some way? Could there be potential financial losses attached to nurse understaffing that administrators should factor into their hiring and remuneration decisions? Research by Goizueta Professors Diwas KC and Donald Lee, as well as recent Goizueta PhD graduates Hao Ding 24PhD (Auburn University) and Sokol Tushe 23PhD (Muma College of Business), would suggest there are. Their new peer-reviewed publication* finds that increasing a single nurse’s workload by just one patient creates a 17% service slowdown for all other patients under that nurse’s care. Looking at the data another way, having one additional nurse on duty during the busiest shift (typically between 7am and 7pm) speeds up emergency department work and frees up capacity to treat more patients such that hospitals could be looking at a major increase in revenue. The researchers calculate that this productivity gain could equate to a net increase of $470,000 per 10,000 patient visits—and savings to the tune of $160,000 in lost earnings for the same number of patients as wait times are reduced. “A lot of the debate around nursing in the U.S. has focused on the loss of quality in care, which is hugely important,” says Diwas KC. But looking at the crisis through a productivity lens means we’re also able to understand the very real economic value that nurses bring too: the revenue increases that come with capacity gains. Diwas KC, Goizueta Foundation Term Professor of Information Systems & Operations Management “Our findings challenge the predominant thinking around nursing as a cost,” adds Lee. “What we see is that investing in nursing staff more than pays for itself in downstream financial benefits for hospitals. It is effectively a win-win-win for patients, nurses, and healthcare providers.” Nurse Load: the Biggest Impact on Productivity To get to these findings, the researchers analyzed a high-resolution dataset on patient flow through a large U.S. teaching hospital. They looked at the real-time workloads of physicians and nurses working in the emergency department between April 2018 and March 2019, factoring in variables such as patient demographics and severity of complaint or illness. Tracking patients from admission to triage and on to treatment, the researchers were able to tease out the impact that the number of nurses and physicians on duty had on patient throughput. Using a novel machine learning technique developed at Goizueta by Lee, they were able to identify the effect of increasing or reducing the workforce. The contrast between physicians and nursing staff is stark, says Tushe. “When you have fewer nurses on duty, capacity and patient throughput drops by an order of magnitude—far, far more than when reducing the number of doctors. Our results show that for every additional patient the nurse is responsible for, service speed falls by 17%. That compares to just 1.4% if you add one patient to the workload of an attending physician. In other words, nurses’ impact on productivity in the emergency department is more than eight times greater.” Boosting Revenue Through Reduced Wait Times Adding an additional nurse to the workforce, on the other hand, increases capacity appreciably. And as more patients are treated faster, hospitals can expect a concomitant uptick in revenue, says KC. “It’s well documented that cutting down wait time equates to more patients treated and more income. Previous research shows that reducing service time by 15 minutes per 30,000 patient visits translates to $1.4 million in extra revenue for a hospital.” In our study, we calculate that staffing one additional nurse in the 7am to 7pm emergency department shift reduces wait time by 23 minutes, so hospitals could be looking at an increase of $2.33 million per year. Diwas KC This far eclipses the costs associated with hiring one additional nurse, says Lee. “According to 2022 U.S. Bureau of Labor Statistics, the average nursing salary in the U.S. is $83,000. Fringe benefits account for an additional 50% of the base salary. The total cost of adding one nurse during the 7am to 7pm shift is $310,000 (for 2.5 full-time employees). When you do the math, it is clear. The net hospital gain is $2 million for the hospital in our study. Or $470,000 per 10,000 patient visits.” Incontrovertible Benefits to Hiring More Nurses These findings should provide compelling food for thought both to healthcare administrators and U.S. policymakers. For too long, the latter have fixated on the upstream costs, without exploring the downstream benefits of nursing services, say the researchers. Their study, the first to quantify the economic value of nurses in the U.S., asks “better questions,” argues Tushe; exploiting newly available data and analytics to reveal incontrovertible financial benefits that attach to hiring—and compensating—more nurses in American hospitals. We know that a lot of nurses are leaving the profession not just because of cuts and burnout, but also because of lower pay. We would say to administrators struggling to hire talented nurses to review current wage offers, because our analysis suggests that the economic surplus from hiring more nurses could be readily applied to retention pay rises also. Sokol Tushe 23PhD, Muma College of Business The Case for Mandated Ratios For state-level decision makers, Lee has additional words of advice. “In 2004, California mandated minimum nurse-to-patient ratios in hospitals. Since then, six more states have added some form of minimum ratio requirement. The evidence is that this has been beneficial to patient outcomes and nurse job satisfaction. Our research now adds an economic dimension to the list of benefits as well. Ipso facto, policymakers ought to consider wider adoption of minimum nurse-to-patient ratios.” However, decision makers go about tackling the shortage of nurses in the U.S., they should go about it fast and soon, says KC. “This is a healthcare crisis that is only set to become more acute in the near future. As our demographics shift and our population starts again out, demand for quality will increase. So too must the supply of care capacity. But what we are seeing is the nursing staffing situation in the U.S. moving in the opposite direction. All of this is manifesting in the emergency department. That’s where wait times are getting longer, mistakes are being made, and overworked nurses are quitting. It is creating a vicious cycle that needs to be broken.” Diwas Diwas KC is a professor of information systems & operations management and Donald Lee is an associate professor of information systems & operations management. Both experts are available to speak about this important topic - simply click on either icon now to arrange an interview today.

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.

AI-powered model predicts post-concussion injury risk in college athletes

Athletes who suffer a concussion have a serious risk of reinjury after returning to play, but identifying which athletes are most vulnerable has always been a bit of a mystery, until now. Using artificial intelligence (AI), University of Delaware researchers have developed a novel machine learning model that predicts an athlete’s risk of lower-extremity musculoskeletal (MKS) injury after concussion with 95% accuracy. A recent study published in Sports Medicine details the development of the AI model, which builds on previously published research showing that the risk of post-concussion injury doubles, regardless of the sport. The most common post-concussive injuries include sprains, strains, or even broken bones or torn ACLs. “This is due to brain changes we see post-concussion,” said Thomas Buckley, professor of kinesiology and applied physiology at the College of Health Sciences. These brain changes affect athletes’ balance, cognition, and reaction times and can be difficult to detect in standard clinical testing. “Even a minuscule difference in balance, reaction time, or cognitive processing of what’s happening around you can make the difference between getting hurt and not,” Buckley said. How AI is changing injury risk assessment Recognizing the need for enhanced injury reduction risk tools, Buckley collaborated with colleagues in UD’s College of Engineering, Austin Brockmeier, assistant professor of electrical and computer engineering, and César Claros, a fourth-year doctoral student; Wei Qian, associate professor of statistics in the College of Agriculture and Natural Resources; and former KAAP postdoctoral fellow Melissa Anderson, who’s now an assistant professor at Ohio University. To assess injury risk, Brockmeier and Claros developed a comprehensive AI model that analyzes more than 100 variables, including sports and medical histories, concussion type, and pre- and post-concussion cognitive data. “Every athlete is unique, especially across various sports,” said Brockmeier. “Tracking an athlete’s performance over time, rather than relying on absolute values, helps identify disturbances, deviations, or deficits that, when compared to their baseline, may signal an increased risk of injury.” While some sports, such as football, carry higher injury risk, the model revealed that individual factors are just as important as the sport played. “We tested a version of the model that doesn’t have access to the athlete’s sport, and it still accurately predicted injury risk,” Brockmeier said. “This highlights how unique characteristics—not just the inherent risks of a sport—play a critical role in determining the likelihood of future injury,” said Brockmeier. The research, which tracked athletes over two years, also found that the risk of MSK injury post-concussion extends well into the athlete’s return to play. “Common sense would suggest that injuries would occur early in an athlete’s return to play, but that’s simply not true,” said Buckley. “Our research shows that the risk of future injury increases over time as athletes compensate and adapt to small deficits they may not even be aware of.” The next step for Buckey’s Concussion Research Lab is to further collaborate with UD Athletics’ strength and conditioning staff to design real-time interventions that could reduce injury risk. Beyond sports: AI’s potential in aging research The implications of the UD-developed machine-learning model extend far beyond sports. Brockmeier believes the algorithm could be used to predict fall risk in patients with Parkinson’s disease. Claros is also exploring how the injury risk reduction model can be applied to aging research with the Delaware Center for Cognitive Aging. “We want to use brain measurements to investigate whether baseline lifestyle measurements such as weight, BMI, and smoking history are predictive of future mild cognitive impairment or Alzheimer’s disease,” said Claros. To arrange an interview with Buckley, email UD's media relations team at MediaRelations@udel.edu

What's Your Retirement Plan B?

Chances are, you have seen the ups and downs in the financial markets, which can really cause seniors a lot of anxiety when looking at those portfolio statements. Add to that the ripple effects of the Canada-U.S. trade war, and it’s more essential than ever to have a Plan B. The Trade War Is Personal The Canada-U.S. trade tensions may appear to be a political issue, but their repercussions are directly impacting kitchen tables across the country. Inflation is increasing the cost of everyday essentials, while investments—on which many retirees depend for income—are suffering.  For those who cannot easily re-enter the workforce, this situation is more than just inconvenient. It’s stressful. Withdrawing investments during a market dip can permanently reduce your savings. Meanwhile, rising prices on everything from apples to arthritis medication stretch fixed incomes thinner than ever. This isn’t just about budgeting anymore —it's about building a wise financial safety net. Plan B Matters More in Retirement You’ve worked hard to reach this point. Retirement should be about freedom, not fear. However, having a backup plan is essential since there are limited ways to generate new income. Think of Plan B as your financial airbag — something you hope you never need, but you're grateful it's there when life encounters a bump. And let’s be honest: even the most well-padded retirement can use a little backup when the economy’s doing somersaults. The Simple Economics of Cashflow Managing your finances boils down to a straightforward equation: money in versus money out. Think of it as balancing a seesaw—on one side, you have your income (cash in), and on the other, your expenses (cash out). For seniors, especially those on a fixed income, keeping this balance is crucial. Boosting Your Income Even in retirement, there are ways to add a little extra to your “money in” side. This could be through part-time work, turning a hobby into a small business, or renting out unused space in your home. Every additional dollar earned can provide more breathing room in your budget. Another option for many Canadians, is right under their feet—their homes. Home equity can be a powerful tool, giving them access to funds without selling or downsizing. Here are some practical options you may want to consider: Home Equity Line of Credit (HELOC): If you qualify, a HELOC offers flexible access to funds and charges interest only on the amount you use. It’s perfect for short-term needs or emergency access. Remember, you’ll need to make monthly payments and provide proof of income to qualify. Manulife One is a creative and customizable solution that combines your mortgage, income, and savings into a single account. It allows you to borrow against your home with greater flexibility. Payments are required but can be made within the available limit. Qualifying is similar to a HELOC. Reverse Mortgage: For homeowners aged 55 and older, a reverse mortgage allows you to access your home equity without the need for monthly payments. The loan is repaid when you sell or move, providing you with freedom and cash flow while remaining in your home. These tools can help ensure you're not forced to withdraw from investments during market downturns, letting your money recover while you stay comfortable. Trimming Your Expenses On the flip side, reducing your “money out” can be equally, if not more, effective. Perhaps you have subscriptions you no longer use for streaming services or mobile phone plans. Or you find you are purchasing too many items at the store because you aren’t preparing a list. Or you are dining out multiple times a week. Remember, every dollar you don’t spend is a dollar saved. Let’s unpack this a bit more, looking at this from a tax perspective Understanding the After-Tax Advantage of Cost Reduction For seniors supplementing their income with part-time work, it’s crucial to recognize that reducing expenses can be more impactful than earning additional income, primarily due to the effects of taxation. For example, let’s consider part-time income at a marginal tax rate of 30%. -------------------------------------------------------------------------------------------------- • To have an extra $100 in your pocket after taxes, you’d need to earn approximately $142.86 before taxes. This is because 30% of $142.86 is $42.86, leaving you with $100 after tax. • Conversely, if you reduce your expenses by $100, you effectively save the full amount. There’s no tax on money you don’t spend. Why This Matters: Every dollar saved is equivalent to more than a dollar earned when considering taxes. This means that focusing on cost-saving measures can be a more efficient strategy for improving your financial situation than seeking additional taxable income. 3 Major Strategies to Help You Cut Costs Budgeting: Prioritize identifying and eliminating unnecessary expenses. Regularly review subscriptions, dining habits, and utility plans to find areas where you can cut back. Smart Shopping: Utilize discounts, loyalty programs, and bulk purchasing options to reduce spending on essentials. Tax Planning: Be aware of how additional income might affect your tax bracket and eligibility for income-tested benefits. Sometimes, earning more can inadvertently reduce certain government benefits. Saving Smart – Some Tips to Get Started Your Plan B doesn’t have to focus solely on earning more income or borrowing. Sometimes, the best backup plan begins with cutting the extras. Think of it as being retro cool — just like you were before it became trendy. Tip #1: Rethink Dining Out - A Once-A-Week Treat, Not a Routine I love to dine out. It’s great to leave the cooking to someone else, especially after a busy day. But this is also one of the fastest ways to drain your budget. In Toronto, the average cost of a casual dinner for two with wine is around $90–$120. Opt for a more upscale spot? You’re likely looking at $150+ after tax and tip. Savings Tips • Cutting out one dinner per week could save approximately $400–$500/month or $5,000–$6,000/year. • Think about hosting a monthly dinner with friends at home where everyone brings a dish. You’ll still enjoy social time—but for a fraction of the cost. Or maybe try organizing a game night. Perhaps it’s euchre or cribbage, or maybe charades they all have something in common (they don’t require a monthly fee). Organize a potluck to bring people together. Twister might be off the table (unless your chiropractor is on standby), but laughter and connection are always in season. • Also think about how you can share resources. From ride-shares to splitting bulk grocery purchases with a neighbor, the old-school approach of sharing is making a comeback. It’s like carpooling, but with avocados and streaming passwords. Tip #2 Review Your Subscriptions - What are you Really Using? Have you already binge-watched all the episodes of your favourite shows, but you are still paying for streaming services you haven’t used in months? Then it’s time to cancel some subscriptions. According to the Convergence Consulting Group The average Canadian household now spends $70–$90/month on streaming and digital services (Netflix, Disney+, Prime Video, Spotify, etc.). Many people are paying too much for mobile. According to the CRTC, the average Canadian pays $64/month for mobile service.  Seniors who negotiate can often reduce this to $35–$45/month—a 30–40% savings. Savings Tips: • Audit Your Subscriptions: Write down every monthly and yearly subscription you have. Even cutting or optimizing 2 or 3 could save $30–$50/month. • Cancel subscriptions you don’t use often. You can always resubscribe later. Instead of paying for four platforms and using a few, consider rotating through them one at a time. You’ll be surprised at how quickly you can catch up on your favorites. Many streaming platforms also offer free trials or cheaper, ad-supported versions. • Call Your Mobile Phone & Internet Carrier Once a Year. Most people don’t realize how much loyalty can cost them. New customers often get much better deals than long-standing ones. When you call, here are some questions to ask: “Am I on the best plan for my usage?” “Are there any promotions I qualify for?” “Can I get a loyalty discount?” “Do you offer special discounts for seniors?” Keep in mind there are also senior-specific mobile plans from carriers like Zoomer Wireless, Public Mobile, or SpeakOut. • Don’t be shy about taking your business elsewhere. Carriers don’t want to lose subscribers and have special offers designed to make you want to stay. You’d be surprised how quickly they "find" a discount. Savings Tip #3: Don’t Throw Out Those Flyers and Coupons With inflation pushing up grocery prices, shopping smart matters more than ever. According to Statistics Canada, the average Canadian household now spends $1,065/month on groceries. So, it may be time to pay attention to those grocery store flyers you used to throw out. While Canadian data on potential savings is limited, US studies show that flyers and couponing can reduce costs by 10–25% for groceries and other household items if used consistently. Savings Tips: • Use apps like Flipp or visit sites like Smart Canuks to find online flyers you may have missed. • Sign up for loyalty cards to access extra discounts. One of the most popular savings programs, PC Optimum, offers frequent discounts and helps you collect points at Shoppers Drug Mart and Loblaws. Also, remember to swipe loyalty cards at the pump; many gas retailers offer discounts that can add up. • Consider shopping at stores like Walmart, which have pricing-matching policies for identical items you find advertised elsewhere. Saving Tip #4: Cut the “Daily Habits” That Add Up Remember, it’s not just the big expenses—it’s the daily ones that sneak up on you. Let’s look at a few “seemingly small” indulgences as examples: • 3 Starbucks Grande Lattes ($6.45 + tax) x 3 days/week = $1,137/year • Take-Out Lunch (for $12 + Tax) x 3 days/week = $2,115/year That’s over $3,000/year in “small” daily purchases! Savings Tips: • Prepare Meals in Advance: Cooking larger portions and planning for leftovers can minimize the temptation of ordering takeout. Planning meals and shopping with a list can prevent impulse purchases and reduce food waste. • Embrace the Home Café Trend: Investing in a quality coffee maker and brewing your own coffee can add joy to your day but also reduce your costs. • Set a Food Budget: Establishing a clear budget for dining out and groceries helps you track expenses and make more mindful spending decisions. Try allocating specific amounts to avoid overspending. Saving Tip #5: Leverage Senior Discounts if you are 60+ From transit to museums to groceries and drugstores, there are dozens of businesses that offer 10–20% off for seniors—but they don’t always advertise it. Many stores also have a set day of the week for seniors' discounts. Consider this: A $50 weekly purchase with 20% off saves $10—over $500/year. Savings Tips: • Shoppers Drug Mart has a 20% Seniors Day on Thursdays (for those 65+) • Rexall offers a 20% discount on Tuesdays • Many major retailers (e.g., Canadian Tire, Sobeys) offer senior discounts that vary by location—ask at checkout.  Cineplex has special pricing for seniors plus seasonal promos like $5 Tuesdays if you want to take the grandkids with you. Saving Tip #6: Mind Your Utilities and Insurance Reviewing these bills once a year can result in hundreds of dollars saved.  Consider switching to time-of-use electricity plans, which are offered in most areas. Check to see when cheaper rates are offered during off-peak hours, and look at using appliances such as your clothes dryer on off-peak hours.  You can also lower your insurance premiums by looking at options such as raising your deductible (if you’re comfortable with the risk). Also, look at rates offered by providers for “pay as you drive” insurance, especially if you aren’t using your car a lot. Also, if you are not bundling your home and auto insurance, you may be missing out on some savings. Saving Tip #7: Buy & Sell Online Many items we need can be found for a fraction of the cost used on platforms such as Facebook Marketplace and Kijiji. And remember, buying a used item also saves on tax. Many retirees have extra furniture, tools, collectibles, or tech they don’t need. It's now easier than ever to declutter and turn these unused items into extra cash. It’s All About Small Changes and Big Rewards Recessions are hard on everyone, but especially on those living on fixed incomes. The good news is that there are plenty of smart, manageable ways to reduce expenses without giving up all the good things in life. By becoming a more conscious consumer and checking in on your spending habits once or twice a year, you can save thousands of dollars annually—money that can be redirected toward travel, gifts for grandkids, or, if nothing else, it just may calm your nerves. Another Tip: Don’t Wait — Timing Matters If this trade war continues, housing values may dip, which means the equity you can access could shrink. Getting your Plan B in place now ensures you lock in flexibility and peace of mind before things tighten up.  Remember, it’s easier to get approved for a HELOC or reverse mortgage when you don’t urgently need it. It's better to set it up and keep it on standby than to wait until it’s too late. Talk It Out Stress develops in silence. Speak to family and friends about your concerns. They may not have all the answers, but they’ll provide emotional support — and possibly assist with paperwork or technical hurdles. If you have senior loved ones, check in and ask how they’re feeling about rising costs and uncertainty. These conversations go a long way and might even lead to better solutions. This trade war isn’t solely about economics. It involves peace of mind, dignity, and stability in retirement. While it may not be the type of Plan B that preoccupies the younger generation, it is equally important — perhaps even more so. So, take a breath. Make a plan. Get creative with your budget, and look at ways to save. Tap into your home equity if necessary, and don’t hesitate to ask for help. With the right Plan B, you can face the future with confidence — and perhaps even enjoy a little fun along the way.  Here's a handy checklist to help you get started.   Quick Wins Checklist ❏ Cancel one unused subscription ❏ Call your mobile carrier for a better deal ❏ Bring lunch instead of dining out 1x/week ❏ Use a coupon or flyer on your next grocery trip ❏ Look for a senior discount before you pay ❏ Brew your coffee at home 3 days this week ❏ Research potential discounts on your car insurance (bundling or pay-as-you-drive options) ❏ Use your clothes dryer or other appliances during off-peak hours to save on electricity Don’t Retire … Re-Wire! Sue

Canada’s RRSP Program Has Too Many Jobs

Summary: Since its inception in 1957, the Registered Retirement Savings Plan (RRSP) has been a cornerstone of Canada’s retirement system. However, the RRSP has taken on roles far beyond its original mandate, notably through the Home Buyers’ Plan (HBP) and the Lifelong Learning Plan (LLP). Although these programs provide short-term benefits, they significantly damage the long-term health of Canadians' retirement savings. This article explores how these additional roles are sabotaging retirement savings, highlights statistics about the state of RRSPs today, and discusses the disastrous impact these trends will have on future retirees. While listening to a recent economic presentation by Don Drummond, TD Bank's Chief Economist at the Mortgage Professionals Canada conference, the following stat stood out to me: "Median RRSP savings are $146K (RRSPs have been in existence for 6 decades)" I was stunned by how low this value was. Even with a government pension, in today's economic climate, to achieve a successful retirement, we need more than $146K saved. This prompted me to explore how the average value of RRSPs in Canada could be so low after some of us have had as much as 60 years to save. The average senior aged 65 in Canada receives $18,197 per year from OAS and CPP. If qualified for GIS, they would receive another $15,186 annually, for a total of $33,338 annually. This isn't much income, especially for homeowners who must pay for property taxes, utilities, upkeep, and maintenance. How it All Began At inception, the RRSP was called a Registered Retirement Annuity and was created in 1957. At the time, Canadians could contribute up to 10% of their income to a maximum of $2,500 annually. The goal was to give all Canadians the same tax benefits as members of registered employer-sponsored pension plans. Benefits of the RRSP Plan 1. Tax-Deferral: Contributions to an RRSP are tax-deductible, which can reduce your tax bill. 2. Tax-Free Growth: Your savings grow tax-free while the money is in the plan. 3. Retroactive: You can carry forward any unused contribution room to future years. The Multitasking Disaster Studies show that people are dreadful at multitasking; the same is true of government programs. Here is where the program went wrong. In 1992, the Home Buyer’s Plan (HBP) was made more flexible, which allowed first-time homebuyers to withdraw RRSP funds to buy a house. Then, in 1999, the Lifelong Learning Plan (LPP) was introduced, which permitted withdrawals to pay for education. The Home Buyers' Plan (HBP) was not introduced in 1957 alongside the Registered Retirement Savings Plan (RRSP) creation. Instead, the HBP was introduced in 1992 as a federal initiative to help Canadians buy their first homes by allowing them to withdraw funds from their RRSPs without tax penalties as long as they met specific conditions. Here's a timeline of crucial HBP withdrawal limits since its inception: Timeline of HBP and LLP Withdrawal Limits: 1992 - Introduction of the HBP • Maximum Withdrawal Limit: $20,000 per individual. • Purpose: To help first-time homebuyers purchase or build a home. 1999 – Introduction of Lifelong Learning Plan (LLP) • The annual withdrawal limit is $10,000 per individual • The lifetime withdrawal maximum is $20,000 per individual 2009 - First HBP increase • New Limit: $25,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising housing costs. 2019 - Second HBP Increase • New Limit: $35,000 per individual. • Announced in the 2019 federal budget to support affordability for first-time homebuyers. 2019 -HBP Enhancement for Life Events • The HBP was expanded to allow individuals experiencing a marriage or common-law partnership breakdown to participate, even if they were not first-time homebuyers. 2024 - Recent increase • New Limit: $60,000 per individual. • The increase was introduced as part of federal budget changes to reflect rising costs. A Flawed Strategy The Home Buyers' Plan (HBP) and Lifelong Learning Plan (LLP) were introduced in Canada as tools to make housing and education more accessible. While well-intentioned, these programs effectively allow individuals to borrow from their future retirement savings—a strategy that can have significant negative consequences. Ask any high school economics student, and they will tell you that compromising two of the three main elements (principle and time) in investing growth will lead to a disappointing return. Here is the formula: principle X interest + time = compounded return. Are We Borrowing From the Future to Pay for Today? The Problem with the Home Buyers’ Plan (HBP): Addressing Housing Affordability at the Expense of Retirement The HBP permits individuals to withdraw up to $60,000 from their RRSP to buy a first home. In an environment of rising house prices, this measure may help buyers cobble together a down payment, but it drains retirement funds. The funds are unavailable to grow tax-free over decades, diminishing the compounding returns essential for retirement security. The Problem with the Lifelong Learning Plan (LLP): Financing Education by Sacrificing Retirement The LLP allows up to $20,000 in RRSP withdrawals to fund education, which can help individuals upskill. However, education often doesn’t yield immediate returns, and the withdrawn funds lose their growth potential, including the compounded returns. Why This Harms Future Retirees Issue #1: Loss of Compounding Growth Withdrawals disrupt the power of compounding, which is vital for retirement savings. For example, $35,000 left in an RRSP for 25 years at a 6% annual return could grow to over $150,000. If that same $35,000 were withdrawn 15 years ago and repaid over the same period as required by the HBP program, it would be worth $54,311, a loss of $95,689 Issue #2: Repayment Struggles While repayments are required, life’s expenses (mortgage, childcare, loans) often make it hard to repay on schedule. Failure to repay means the amount withdrawn is added to taxable income, further reducing the effectiveness of the programs. Issue #3: Insufficient Savings Most Canadians are already under-saving for retirement. Encouraging them to dip into their RRSPs exacerbates this shortfall. Two Different Problems.  One Harmful Solution Housing Affordability Rising house prices are driven by supply-demand imbalances, speculation, and policy failures—not a lack of down payments. Increasing the HBP withdrawal limit does nothing to address the root causes of affordability, but it may drive prices higher by giving buyers more purchasing power. Retirement Security Retirement savings should be preserved and grown to ensure financial stability in later years. Programs like HBP and LLP blur the line between short-term needs and long-term planning. Why Would our Government Do This? Political Expediency Housing affordability and access to education are politically sensitive issues. Allowing individuals to tap into their RRSPs is a cost-neutral policy for the government (unlike direct subsidies or programs). Policies like these help politicians get elected or stay in office. And in proper political form, these policies only tell half the story. Vote for us because we will help you buy your first home, which is a great campaign strategy. Vote for us because we will make it look like we help you buy your first home when, in fact, we will set up a program that will allow you to borrow from yourself at the cost of your retirement, which is political suicide. Short-Sighted Economic Policies Policymakers may believe that homeowners and educated individuals are more financially secure, even if their retirement savings are compromised. The logic might be that owning a home or having better job prospects could mitigate future hardship. Assuming Home Equity is a Safety Net The government might assume that homeownership ensures financial stability in retirement. However, this overlooks that rising housing costs often mean seniors have high debt levels or are "house rich but cash poor." The Bigger Problem with the HBP and LLP Programs: No Warnings or Education Given to Canadians Neither the HBP nor the LLP adequately informs individuals of the long-term consequences of their decisions. To make matters worse, the participants of these programs will likely realize the impact once it is too late to take action. People considering retirement are often in their late 50s to early 60s, past their prime saving years. Borrowing from retirement accounts may seem like “borrowing from yourself,” but this lost growth can never be recouped. Many Canadians are not well enough informed to assess these trade-offs, leading to decisions that harm their financial future. In Case You’re Thinking, These Seniors Have Inadequate Savings - But at They At Least their Homes. The HBP and LLP programs may reflect a government view that seniors would be better off owning a home than relying solely on inadequate savings. But this is flawed for a number of reasons: A home is not a liquid asset—it cannot pay for groceries or healthcare. Also,  Seniors with insufficient retirement savings often need help with financial distress despite owning property. They sometimes need reverse mortgages or sell their homes out of desperation. An Unfortunate Misguided Solution Rather than “quick fixes” that appear to solve immediate challenges while creating long-term problems, the Federal government should instead focus on longer-term, systemic solutions For housing: Governments need to curb speculative investments and provide targeted assistance for first-time buyers. Plus they need to focus on programs that increase housing supply, such as income tax incentives for homeowners to build accessory dwelling units (ADUs). These units could be rented out or used for caregivers. Or adopt a policy allowing first-time home buyers to not pay tax on their first $250,000 of income. First-time home buyers could use the tax savings as a down payment. For Education: Governments need to expand grant programs and low-interest loans to prevent reliance on retirement funds.  This will not only help us increase the number of skilled workers to fill critical gaps in vital sectors such as technology, healthcare engineering and the trades.  It will also contribute to a higher GDP and build a more sustainable tax base for future generations. Encouraging Canadians to steal from their future is not a sustainable strategy. Retirement savings should be viewed as sacred - not a piggy bank for solving unrelated issues. Don’t Retire … Re-Wire! Sue