Does Donald Trump Like Seniors?

The answer is complicated

Nov 22, 2024

7 min

At 78, Donald J. Trump already has 13 years of experience as a senior citizen. During his previous presidency, he occasionally referenced his senior status, particularly when discussing issues affecting older Americans. For example, in the 2020 election campaign, he acknowledged his age and addressed fellow seniors directly in his messaging, sometimes referring to himself as part of the senior community.

Looking at his record, Trump appears to have a complex relationship with seniors. While expressing support for essential programs such as Social Security and Medicare, he often weaves the needs of seniors into his rhetoric. Yet some of his policy decisions have created mixed feelings among older Americans and advocacy groups. While pledging to protect these programs, he’s considered budget-cut proposals to reduce the funding of both these programs. Plus, his administration attempted to repeal the Affordable Care Act.

While even the smartest of experts have learned it’s difficult to predict what Donald Trump will do on key policy decisions, there are some clues as to how his move back into the Oval Office will impact Canada and, more specifically, seniors. This topic got me wondering. Does Trump (a senior himself), like seniors?

Let’s look closer at this demographic. Everyone knows that older people are the most reliable voters. The stats are compelling.

According to Elections Canada

- 75% of Canadians aged 65-74 voted compared to 48% of those aged 18-24.

- The statistics for our US neighbours are similar, with 70% of Americans aged 65+ voting and 50% of Americans aged 18-29 voting.

Knowing this voting power of the senior demographic, did Trump pander to this voting cohort? Yes, he most certainly did. He knew that as people age, their concerns narrow to a smaller list of critical topics such as Financial Security, Health, and Safety. During his 2024 presidential campaign, Donald Trump focused heavily on appealing to older voters, who historically make up a significant portion of the electorate and are more likely to vote. His campaign emphasized economic stability, protecting Social Security and Medicare, and national security—particularly relevant to older demographics.

Let’s take a closer look at how the Trump administration could impact Canada's senior demographic in the following areas:

Inflation

Background: Inflation has a direct correlation to the cost of living. As the prices of goods and services rise over time, the purchasing power of money decreases – a challenge for many seniors.

Critical expenses like housing, healthcare, food, and utilities could increase noticeably, putting pressure on limited retirement incomes and pensions. All this is stressful. According to a 2024 national survey of over 2,000 Canadians (conducted by Leger on behalf of FP Canada), money remains the top stressor for Canadians, with 44 percent citing money as their primary concern; That's up from 40 percent in 2023 and 38 percent in both 2022 and 2021.

What This Means: Two of Trump’s biggest promises in his campaign (mass deportation of undocumented immigrants and more restrictive trade regulations) would have a "significant impact," according to an article by Ellen Cushing in the Atlantic. A domestic labour shortage plus double-digit import taxes would raise food prices on both sides of the border. Cushing goes on to say that “deporting undocumented immigrants would reduce the number of workers who pick crops by 40-50%.” While this rhetoric may have played well during the campaign, you can't fake the simple math here. Fewer workers means higher wages. That means higher prices. And the senior demographic will be hit hard because of their fixed incomes. Many will eat less of the expensive grocery store items like fresh meat, fruits and vegetables to make ends meet. Food prices will inevitably climb with these policies. The only question is when. According to a new poll conducted for CIBC and Financial Planning Canada on November 27, 2023, approximately 75% of working Canadians still need a formal financial plan for retirement. And many retirees face economic difficulties. A whopping 25% are still carrying debt into retirement. Many also report they have a substantial portion of debt and report that their retirement lifestyle isn't as comfortable as expected. The impact of inflation could be dire with few solutions; it is different for these older Canadians because they cannot re-enter the workforce. The only saving grace is that many of the hardest-hit Canadians are homeowners with equity options.

Interest Rates

Prediction: According to Beata Caranci, SVP & Chief Economist of TD Bank, the US is likely to raise interest rates to control growth. Canada is also expected to increase its rates, mainly to keep the Canadian dollar stable against the U.S. dollar. The Bank of Canada could be forced to rescind the projected planned interest rate reductions or at least reduce them. However, it's a delicate balancing act. Our economy could suffer if we don’t mirror the US increases in interest rates.

Impact: Increasing Canadian interest rates will impact seniors by increasing mortgage carrying costs. At the same time, older Canadians with investment savings could see increased returns on these savings. A rise in interest rates would also impact housing prices and foreign exchange rates.

House Prices

Background: Economic, demographic, and policy-related factors influence home prices in Canada. The new Trump administration will undoubtedly impact these factors. To understand this area, let's examine some significant variables affecting housing costs.

1. Supply and Demand

When housing supply is limited, and demand is high, prices rise. Conversely, when supply exceeds demand, prices stagnate or fall. Should the new administration adopt more restrictive immigration policies in the US, Canada might see an increased influx of skilled workers and families seeking an alternative place to live. Housing demand will likely increase in major Canadian cities—Toronto, Vancouver, and Calgary- resulting in price increases.

2. Population Growth

An increase in population or immigration boosts housing demand, particularly in urban centers, consequently increasing home prices. Canada welcomed 485,000 immigrants in 2024, many of whom settled in cities like Toronto and Vancouver. This influx has driven up demand for housing, contributing to price increases. The Canadian government has recently reduced the number of immigrants we allow into our country, dropping the number from 500,000 to 395,000 in 2025. Current immigration numbers plus any overflow from the US should keep demand buoyant and we could see home prices continue to rise.

However, Canada needs more housing, especially in high-demand urban areas. In addition to immigration, slow construction timelines and zoning restrictions are contributing factors.

Canada's ongoing housing shortage and the potential impacts of Donald Trump's election win in the U.S. could exert upward pressure on home prices, particularly in major cities like Toronto and Vancouver. These cities, already grappling with limited housing and high prices, will likely see further price increases due to increased demand.

Without robust policy interventions to increase the housing supply, Canada’s housing prices, particularly in major centers, will likely continue rising. And there will be winners and losers here. This is great news for seniors wishing to sell and exit the market by finding other living arrangements, such as renting, moving in with family, or entering retirement homes. It is even better news for seniors wishing to age in place as they will have more equity to fund their retirement. But it’s disappointing news for those wishing to downsize and stay in the same communities. They may be able to sell high, but they could also be forced to buy high.

3. Foreign Currency

Trump's policies, such as tax cuts and protectionist trade measures, have historically strengthened the U.S. dollar. If similar policies are reintroduced, the U.S. dollar could become more robust due to increased investor confidence and perceived economic growth in the U.S. That’s bad for Canadians traveling or living in the U.S. Trump's potential trade disputes, particularly with China, and his aggressive geopolitical stance could also create uncertainty in global markets. While this might temporarily strengthen the U.S. dollar as a haven, long-term concerns about trade wars and deficits could cause fluctuations, impacting the Canadian dollar's stability against the U.S. dollar.

This volatility directly impacts Canadians, especially those with significant financial exposure to the U.S. dollar.

A second Trump presidency will likely impact the exchange rate between Canadian and U.S. dollars, which is especially relevant for 85% of Canadian Snowbirds, who, according to Snowbird Advisor, spend winters in the United States. This number was estimated to be 900,000 in 2023. These seniors may face increased expenses for property taxes, utilities, and other daily living costs in the U.S. If exchange rate volatility persists, locking in more favourable rates or using specialized currency exchange services, US credit/debit cards with lower transaction fees, and using US dollar accounts might be wise - especially for more significant financial transactions.

The Bottom Line

One thing is certain. Trump's second term has the potential to impact many Canadian seniors if he implements the policies he discussed during his election campaign. While some could benefit financially from higher home equity and investment returns, many may need help with increased living costs, especially food and foreign exchange challenges, particularly Snowbirds and those on fixed incomes. While we are all watching this situation unfold, one thing is sure. It's difficult to predict if Trump’s second term will make Canadian or US seniors "great again."

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Sue Pimento

Founder | CEO

Focused on financial literacy and retirement strategies. Authoring new book on home equity strategies to help seniors find financial freedom

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Jan 12, 2026

7 min

The H³ Plan: How to Retire Without Losing Your Mind & How You Can Support Older Relatives

MEDIA ADVISORY Retirement planning expert Sue Pimento introduces her H³ Plan — a research-backed framework for maintaining mental and emotional health in retirement that goes beyond financial planning. The framework identifies three essential pillars — Hope, Help, and Horizon — that help combat the emotional flatness many retirees experience after leaving structured work. Drawing on neuroscience research and clinical insights, Pimento offers a practical "emotional pension plan" for the growing population of Canadians navigating this life transition. Sue Pimento is available for interviews on retirement wellness, healthy aging, and the psychology of life transitions. Retirement doesn't arrive with a crash. It arrives quietly. One day, you stop setting alarms, stop racing against the clock, stop feeling urgently needed—and no one gives you the mental and emotional playbook for what comes next. There should be a chapter titled: How to Keep Your Brain Engaged, Regulated, and Not Mildly Irritated by Everyone. Instead? 404 page not found. (Translation: the system is actively seeking guidance… and coming up empty.) And if you're nodding along thinking "yes… exactly" — IYKYK. (If You Know, You Know. And if you don't yet, give it time.) Understanding Your Emotional Pension Plan After years of writing, researching, listening, and living through this stage myself, three factors consistently emerge as essential to maintaining mental and emotional health as we age. I call it H³: Hope, Help, and Horizon. Here's why each one matters—and why neglecting any of them leaves you emotionally drained. Think of them as your emotional pension plan — not optional, not fluffy, but essential. 1. Hope: Not Just Wishful Thinking — Agency, Clarified In her reflective New York Times article, "Your Hopes," journalist and believing host Lauren Jackson examines increasing cynicism, waning trust, and—most importantly—what research indicates truly can turn the tide. One line sums up the difference perfectly: Optimism is believing the future will improve. Hope is believing you can make it so. Here's why that matters. Optimism versus Hope (Plain-English Edition) Optimism is passive: "Things will probably work out." Hope is active: "I can influence what happens next." Optimism awaits. Hope takes part. From a psychological perspective, hope is based on: • Agency (I am able to act) • Pathways thinking (I can find a way) Research from the University of Oklahoma's Hope Research Center indicates that hope is one of the strongest predictors of well-being, often surpassing income, education, and even past success. For retirees, this distinction is important because aging narratives often aim to gently remove us from the driver's seat. Hope replies with something more like: Back off, sister. I refuse to buy into outdated stereotypes. I've upgraded to a more modern version of aging—like a new iPod model. (Stereos are out of style. Keep up.) Hope maintains the nervous system in an engaged state rather than resignation. In fact, some see hope as far more nuanced. Frank O’Dea, best known for his personal comeback story — from being homeless to later becoming a very successful coffee entrepreneur as the co-founder of the Second Cup shares his thoughts in his book, “Hope is Not a Strategy.” His personal narrative reinforces a deep belief in hope as a powerful emotional engine, but never as a substitute for action. O’Dea, who later went on to be a co-founder of the Second Cup Coffee Company and is a recipient of the Order of Canada for his philanthropy and humanitarian work, speaks to the human tendency to confuse optimism with preparation — people often wish their way into opportunity, rather than work their way into readiness. I love this line from his book: “Hope is important — it gives us purpose. But without a strategy, it leaves us vulnerable. We win not by wishing, but by working.” — Frank O’Dea 2. Giving Back: Your Brain's Favourite (Unpaid) Job Giving back isn't about virtue. Or virtue signalling on social, for that matter. (It's not a branding exercise. No hashtag required.) It's about nervous system regulation. Over the holidays, I was listening to an interview on CBC Radio and found myself doing that thing where you stop playing Vita Mahjong mid-game because someone said something so logical but also completely fascinating. Gloria Macarenko’s episode with Vancouver-based psychologist and therapist Lawrence Sheppard explored in detail how giving back influences us and what he has personally observed in his practice. The message? Giving back is a key factor for mental health. Certainly, we've all heard the well-known phrase "tis better to give than receive"—or a version of it. But Sheppard wasn't referring to virtue or being kind. He was discussing what truly happens in the brain when we give. Here's the short version: Helping others shifts the brain out of threat mode and into meaning mode. So what's Happening Neurologically? Building on Sheppard's clinical work and broader neuroscience: • Chronic stress forces the nervous system to stay hyper-vigilant. • Rumination shifts inward and intensifies the sense of threat. • Contribution shifts focus outward • Helping activates reward pathways and emotional regulation. Giving back restores balance. • purpose • structure • connection • competence Giving back reminds your brain it's still engaged—just not earning money. (My definition of volunteering. Not Webster's.) And many retirees miss that feeling more than the salary. They also miss the tangibles: vinyl records, 99-cent bread, and the quiet satisfaction of being needed somewhere at 9 a.m. Importantly, giving back—like hope—helps regulate the nervous system by decreasing feelings of isolation and restoring a sense of predictability. Your brain prefers knowing where it belongs. 3. Something to Look Forward To: Anticipation Is Medicine This one is sneaky powerful—and well documented. Having something to anticipate generates excitement. And excitement is not merely a feeling. It's a nervous system event. Here's the connective tissue: All three pillars—hope, giving back, and anticipation—work because they shift the nervous system away from threat and stagnation, and toward engagement, reward, and regulation. The Science (Why Anticipation Works) Research by neuroscientist Wolfram Schultz showed that dopamine spikes most strongly before a reward—not during it. Later studies in affective neuroscience confirmed: • Anticipation boosts motivation and positive emotions. • Future-oriented thinking diminishes depressive rumination. • Predictable positive events enhance mood regulation. In plain English: Your brain lights up when it knows something good is coming. In many instances, anticipation offers more emotional uplift than the event itself. Think: • first date • first kiss • first solo trip • first "I can't believe I'm actually doing this" moment You cannot buy that feeling in a bottle. (Not even the little blue pill will do it.) Why This Matters in Retirement Work used to provide: • deadlines • milestones • future orientation • purpose • feedback • connection • a sense of accomplishment And yes—before anyone writes me a letter—stay-at-home moms, caregivers, and volunteers: that is work. Don't get me started. When structured work concludes, those inputs aren't automatically replaced. Without things to look forward to: • time flattens • mood dulls • life becomes emotionally beige Something—anything—on the calendar restores forward motion. What Giving Back Looks Like in Real Life My friend Janet retired at 63 with a solid financial plan and no emotional plan. Six months in, she was climbing the walls—bored, restless, wondering why she felt so flat when she "should" be enjoying herself. Then she started tutoring at the library (Help), signed up for a pottery course (Horizon), and realized she could actually shape this chapter however she wanted (Hope). Different person. Same retirement account. Completely different nervous system. Big Things Are Overrated Waiting for something big to look forward to is often just perfectionism wearing a sensible cardigan. We tell ourselves the next big milestone will fix everything, when in reality, progress usually happens in a game of inches. Small choices, taken consistently, create big shifts. Direction beats intensity every time. As I wrote in my last blog about my Everest Base Camp and MBA journey: Even Cs get degrees. And I'll add: Consistent B- work wins most races. Small counts: • weekly plans • standing dates • tickets bought months ahead • regular commitments Anticipation is hope with a calendar invite. The H³ Framework for a Happy Retirement (Hope. Help. Horizon.) All three regulate the nervous system and keep us engaged. Hope — I can still shape things Help — I'm useful and connected Horizon — My life has forward motion If life feels flat, add one from each column. That's the prescription. Retirement isn't just about slowing down. It's about re-wiring. In plain English: You are not done yet! Remember, hope keeps you engaged. Giving back keeps you grounded. Looking forward keeps you light. Or, translated: A happy retirement isn't passive. It's practiced. A Note for Those Supporting Older Relatives If you have aging parents, relatives, or friends in your life, be on the lookout for signs of depression, resignation, or apathy. The signs are obvious if you're paying attention: flat affect, repetitive complaints, withdrawal, that vague sense they're just going through the motions, or their smile doesn't reach their eyes. Here's what not to do: point it out directly or suggest they "find a hobby" or "volunteer somewhere." Here's what does work: create Hope and Horizon by scheduling regular outings—lunch, a walk, a movie, anything with a date attached. Sometimes we underestimate how much seniors look forward to our visits and connections. It's better than any tonic or medication to lift spirits, young and old. In this scenario, action speaks louder than words. Talking about depression often brings up shame and further withdrawal. Instead, think of love as a verb, not a noun. You don't need to fix anything. Just show up. Regularly. Predictably. No grand gestures. No reinvention required. Just presence with a pulse - and notifications on mute! Be that person! Don't retire. Re-wire. — Sue Want more of this? Subscribe for weekly doses of retirement reality—no golf-cart clichés, no sunset stock photos, just straight talk about staying Hip, Fit & Financially Free. Subscribe Here

Dec 30, 2025

6 min

My MBA Journey at 69: Because Apparently, Climbing Everest Base Camp Wasn't Enough

If you watched CBS 60-Minutes host, Cecilia Vega set out on a challenging 10-day trek to Everest Base Camp (EBC) in the Himalayas, for last week's episode, you couldn't help but marvel at the gruelling physical demands and the profound experience of being at the foot of Mount Everest. Her journey, which involved intense training, navigating dangerous suspension bridges, and dealing with extreme altitude, also highlighted the massive industry around Everest and the vital, underappreciated role of the Sherpa community. Her journey is an inspiring look at how we can push our own boundaries. Bravo Cecilia! Vega described hiking Everest Base Camp as "the hardest thing I've ever done physically," battling low oxygen (like breathing through a straw) and fatigue, despite months of training. She experienced sub-freezing temperatures, crossed dizzying suspension bridges, and even witnessed close calls with avalanches, with trusty Sherpas conducting nightly tent checks to ensure her safety. Hiking to Everest Base Camp is hard. I know. Because I did it. At 60 Let me explain. I have a tradition of celebrating milestone birthdays with a bang. When I turned 60, I gave myself six physical challenges — one for each decade lived. The grand finale? Climbing to Everest Base Camp. It was epic, exhausting, and left me with both altitude sickness and lifetime bragging rights. But as I approached 69, I craved something different. Not hiking boots this time — just highlighters. Not mountain peaks — mental peaks. I wanted an intellectual challenge that would prove my brain still had some miles left on it. No oxygen tanks required this time. Just caffeine, reliable Wi-Fi, and an iron will. How I Got Here (And Why I'm Questioning My Sanity) I've always wanted an MBA — partly for the knowledge, but let's be honest, mostly for the prestige. There's something irresistible about joining that club of spreadsheet-loving scholars. For years, I've imagined myself casually tossing around terms like "synergy" and "stakeholder engagement" while sipping something expensive in a sleek business lounge. What I didn't imagine was attempting this after a 46-year hiatus from university. Spoiler alert: It's harder than I thought. Like, significantly harder. Enter the MBA: Twenty-four courses. Two years or so, and approximately one hundred "What was I thinking?" moments. I enrolled at the Sprott School of Business at Carleton University, which offers a generous seniors' discount. I briefly debated whether to ask for the student discount or the seniors' discount — then thought, why not request both? I've earned these wrinkles and this tuition bill. Bonus perks: I qualify for the student medical and dental plans. My classmates use them for wisdom tooth extractions. I'm eyeing the denture clause. Term One: The Tech Tsunami Let's talk about the software situation. Brightspace. Turnitin. eProctor. Excel (the betrayer). Word. APA 7th Edition. And about a dozen other platforms that might as well have been written in Klingon. I expected a gentle introduction — maybe some academic foreplay before diving into heavy coursework. Instead, I was shoved into the deep end with weights tied to my ankles. Each assignment came with a forest's worth of readings, PowerPoint slides, and discussion board posts. I was up at 5 a.m., trying to squeeze in extra hours in the day. (Spoiler: you can't.) Despite decades spent managing teams, I was barely scraping 60% on quizzes — the open-book ones. How is that even possible? Accounting became my personal Everest. People kept telling me, "Excel is your friend." That's a lie. Excel is that friend who borrows your car, crashes it, returns it on empty, and then asks if you've bothered reading the manual. Casualties of War: Family, Friends, and Dottie My family was neglected. My friends assumed I'd entered witness protection. Even my little dog Dottie stopped talking to me. She'd give me this look — a devastating combination of pity and disappointment — every time I said, "Sorry, no walk today. Mommy has to study debits and credits." You haven't experienced true shame until you've been judged by a 10-pound dog wearing a sweater. The Breaking Point (And the Breakthrough) I'll admit it — I had serious moments where quitting felt like the only rational option. The workload was relentless. The jargon was endless. The pressure was overwhelming. I contacted teaching assistants, professors, and even the university librarian, desperately searching for a lifeline. They were all kind and patient. But ultimately, I had to figure it out myself. And somewhere between the caffeine highs and APA citation lows, something clicked. Even Cs get Degrees! By midterm, I began to suspect something radical: perhaps the large amount of work was the real test. Not the material itself, but the sheer volume. Maybe this was the school's way of differentiating dedicated students from curious ones, the serious from the casual observers. Was it possible that the secret to MBA success was learning what not to do? After all, the passing grade is a B- (70%). At this point in my life, I'd be happy with a 71% and a full night's sleep. Hence the title, Even Cs get Degrees! Working Smarter, Not Harder Somewhere between week three and mild hysteria, I made a radical decision: stop trying to do everything. I focused on lectures and study notes instead of drowning in supplementary readings. I prioritized assignments strategically. I stopped pretending perfection was achievable — or necessary. The results were immediate: • My grades improved • My panic attacks decreased • Dottie started making eye contact again I also began scheduling regular Zoom calls with professors and TAs — not just for assistance, but to foster genuine relationships (my lifelong superpower). Once I stopped pretending, I had everything under control; everything truly improved. School life has improved. Home life has also improved. I was finally able to brush my hair again. Slowing Down to Soak It In Next term, I'm taking just one course. Because honestly, what's the rush? I'm not chasing a promotion or striving for a corner office. I'm doing this for myself — for the simple joy of learning and the satisfaction of knowing I still can. I want to enjoy the journey, not rush through it gasping. I want to look forward to lectures rather than fear them. I want my sleep score (and my sanity) restored. The goal isn't speed. It's savouring. What I've Learned So Far Here's what these first two courses have taught me: ✓ I can still learn — even when my brain occasionally reboots mid-sentence ✓ I can focus — especially with enough coffee ✓ I'm still gloriously, endlessly curious ✓ I need sleep (The 5 a.m. club can keep their membership) ✓ I need fun (Revolutionary concept, I know) ✓ I love to learn (Turns out, I always have) ✓ I make mistakes — and they're not terminal ✓ I need help — and I must ask for it ✓ APA 7th Edition is real — and I finally understand what it means (Sort of. Mostly. Sometimes.) ✓ Even Cs or, in my case, a B- get a Degree — consistent, sustainable B- work will win most every race Looking Ahead: The Big 7-0 By the time I graduate, I'll be at least 70 years old. And honestly? I can't think of a better birthday gift for myself. When most people talk about slowing down, I'm actually ramping up. While others are downsizing, I'm uploading assignments at 11:58 p.m. When my friends ask why I do this, I smile and say: "Because I still want to know what I'm capable of." To Be Continued... This is just the beginning of my MBA adventure. I've completed two courses out of twenty-four. Twenty-two more to go — one term at a time, one course at a time, one small victory at a time. I'll update this blog periodically with new stories, fresh insights, and probably more tales of Dottie's disappointment. As We Start the New Year Here's a toast to all of us who refuse to act our age. To everyone starting something new — whether it's an MBA, a marathon, or a pottery class. To everyone who believes it's never too late to learn, to laugh, or to start again. Because learning doesn't stop when you retire. Sometimes, it's only just beginning. Stay tuned for Term Two updates, where I'll tackle another course, hopefully retain my sanity, and continue proving that 69 is just a number (and so is 70, 71, 72...). All the best to you in 2026 and beyond! Sue Don’t Retire… ReWire! Want to become an expert on serving the senior demographic? Just message me to be notified about the next opportunity to become a "Certified Equity Advocate" — mastering solution-based advising that transforms how you work with Canada's fastest-growing client segment. Here's the link to sign up.

Dec 10, 2025

8 min

Tinsel, Tears, and Turkey: How Seniors Really Feel About the Holidays

Ah, the holidays. That magical season when cinnamon fills the air, grandkids are glued to their phones, and you're wondering if it's too early to spike the eggnog. (Answer: it's 5 o'clock somewhere, and that somewhere is your kitchen.) For many older adults, the season is a cocktail of nostalgia, joy, and melancholy—served in a glass rimmed with memories of when the house was full, and the turkey wasn't store-bought. Dealing With The Ghosts of Christmas Past The holidays used to mean full houses, laughter echoing off the walls, and more food than a Costco freezer aisle. Now? Smaller gatherings, missing faces, and a nagging feeling that you're somehow in the way at your own celebration. There's a certain ache that comes with the holidays as we age. It's not just arthritis—it's memory. The people who made our holidays special might no longer be around, and while their photos still grace the mantle, their absence can hit harder than a fruitcake to the forehead. It's the quiet that gets you. The stillness of a home that used to hum with chaos. The microwave hums where the oven once sang. The Christmas card list has ghosted us—literally—replaced by e-cards that can't be hung on the fridge or hugged. And yet, despite the ache, many seniors keep the traditions alive. They polish the silver, bake the cookies, and set the table—because ritual matters. It's a way to say, I'm still here, and this still matters. Loneliness: The Fear No One Talks About Let's name the holiday elephant in the room. Yes, it turns out that one really is the loneliest number. It's that heavy feeling that sneaks in right around the time commercials start showing perfect families in matching pajamas (who, let's be honest, probably fought about those pajamas in the parking lot). The numbers tell a sobering story: A report by the National Institute on Ageing, finds that as many as 41 per cent of Canadians aged 50 years and older are at risk of social isolation and up to 58 per cent have experienced loneliness before. The holidays often bring additional pressure for many. It's important to note, you don't have to live alone to feel lonely. Seniors often fear being forgotten—left out of the group chat, the dinner invite, or even the conversation at dinner. Some feel like a burden, convinced their presence is more "obligation" than "invitation." That fear of irrelevance can creep up faster than fruitcake at a church bake sale. The internal dialogue doesn't help: "They're busy." "They have their own lives." "I don't want to be a bother." But here's the truth: you're not a bother. You're the keeper of stories, the family's living archive, and—let's face it—the only one who actually knows how to carve a turkey without creating a crime scene. The health stakes are real: According to a 2023 research report from the U.S. Surgeon General, loneliness and social isolation have a profound effect on mortality, equal to smoking 15 cigarettes per day. That’s more impact than obesity or sedentary lifestyles. It's associated with increased risk of heart disease, stroke, dementia, depression, and anxiety. This isn't just about feeling blue; it's about actual health outcomes. When Depression Wears a Santa Hat Holiday depression doesn't always look like tears and tissues. Sometimes it's withdrawing from events, skipping meals, or not bothering to decorate. It's saying "I'm fine" with a smile that doesn't reach your eyes. A prominent research study of seniors in the UK over a 12-year period published in The Lancet, confirms what many seniors experience: loneliness is a significant predictor of depression in older adults. The study found that higher loneliness scores were consistently associated with increased depression severity. The relationship works both ways—people with mental health conditions are more than twice as likely to experience loneliness. It can also show up physically—fatigue, poor sleep, or that vague feeling that something's just... off. The sparkle of the season fades under the weight of grief, change, or just the exhausting pressure to be merry when you're not feeling it. A few sad moments are natural. We all get a little misty when "White Christmas" plays for the 47th time. But if the blues linger past Boxing Day, it might be time for a gentle check-in—with a friend, a doctor, or someone who actually listens (not just nods while scrolling). Remember: asking for help isn't a weakness. It's wisdom. And honestly? It's badass. The Magic of Rituals and Traditions For seniors, traditions aren't just habits—they're anchors. The same decorations, the favorite songs, the "don't touch that, it's Grandma's angel" moment that happens every. Single. Year. Research shows that rituals and traditions provide crucial psychological benefits for older adults, including a sense of stability, purpose, and belonging. They offer structure and comfort during challenging times, helping seniors feel grounded and connected to their roots. Studies have found that maintaining traditions contributes to overall mental well-being and can even reduce symptoms of anxiety and depression. These rituals offer stability in a world that keeps changing at warp speed (seriously, when did voice-activated ornaments become a thing?). But when traditions fade—when no one asks for the shortbread recipe or the ornaments stay boxed—it can feel like being erased in real time. So here's the trick: Evolve the traditions. Pass the torch, not the guilt. Let the grandkids lead carols (even if they insist on adding Mariah Carey). Use the good china. Pull out the silverware stored in the wooden case under the china cabinet that hasn't been opened since 1987. Keep the spirit alive, even if it looks different now. How Seniors Can Create a Joyful Holiday (Yes, Really!) Reach Out First: Don't wait for others to make the first move. Call, text, or—even better—show up with cookies. People are often grateful for the invitation but also afraid to impose. Be the one who breaks the ice. Host a Mini Gathering: Even if it's just tea with a neighbor, connection is the best seasoning of all. Bonus: smaller gatherings mean less cleanup and more actual conversation. Volunteer: Nothing lifts the spirit like helping someone else. Food banks, shelters, and local schools welcome extra hands. Plus, it's a great reminder that you're still needed—and you are. Laugh on Purpose: Watch old comedies. Tell those same stories (again). Laughter really is medicine—no prescription, no co-pay required. Decorate Anyway: Even if no one's visiting, do it for you. Light up your space, and your mood might just follow. And if the neighbors think you're overdoing it? Even better. What Families Can Do (Besides Show Up Hungry) Here's your holiday homework, families: Visit More, Scroll Less. You can't hug over FaceTime. And honestly, Grandma's WiFi probably can't handle it anyway. Listen Like It's a Gift. Because it is. Let seniors share their stories without rushing them or checking your phone. They're not just repeating themselves—they're reliving joy. (And yes, you've heard it before. Listen again.) Include Them in the Chaos. Let Grandma wrap presents, Grandpa set the playlist, or Aunt Sue take charge of... okay, maybe not the gravy. But give them a role. Purpose is the best present. Check In Regularly. A quick "thinking of you" text can mean more than an expensive gift. Though, to be fair, both are nice. Respect Their Pace. Big gatherings can be overwhelming. Sometimes small and meaningful beats loud and crowded. Not everyone wants to do the Macarena at Christmas dinner. (Looking at you, Uncle Bob.) Remember: the greatest present you can give an older adult is presence—yours. The Importance of Joy (and How to Find It Again) Joy doesn't always come in grand gestures. Sometimes it's hiding in the small stuff: • The smell of pine needles • The first snowflake (before it turns into gray slush) • That old ornament you swore you'd throw out • The laughter of family—even if it's at your expense Joy isn't found lying around like loose change. It's made. Sometimes it's coaxed out with a memory, a song, or a well-timed bad joke about Aunt Sue's lumpy gravy. And if all else fails, remember this: you've survived decades of holidays. Burnt turkeys. Broken ornaments. That unfortunate incident with the glue gun in 2003. You've earned the right to laugh through the tears and dance in your slippers if you damn well feel like it. The Real Gift The holidays remind us that connection—not perfection—is the true magic. For seniors, it's about being seen, heard, and loved. For families, it's about showing up, listening, and laughing together. Because one day, those elders' stories will become yours. And you'll want someone to care enough to hear them, too. So let's make this season count. Let's call more, visit more, and laugh more. Let's honor the past while making new memories. And let's remember that the best traditions aren't the ones that stay the same—they're the ones that adapt, evolve, and keep bringing us together. Now pass the eggnog. The spiked kind. Let's All Sit Under the Mistletoe and Sing the Retired Remix of "Jingle Bells" (To the tune of "Jingle Bells") Dashing through the snow, With a walker all in tow, To the mall we go, Moving nice and slow! Family's out of sight, Texting through the night, Oh, what fun it is to Zoom My grandkids once a night—hey! Chorus: Jingle bells, jingle bells, jingle all the way, Oh, what fun it is to chat With friends who won't delay—hey! Jingle bells, jingle bells, laughter saves the day, Lonely hearts can still feel joy— If love just finds a way. Happy holidays, everyone. May your turkey be moist, your family be present, and your eggnog be strong. Want more insights like this? Subscribe to my free newsletter here, where I share practical strategies, real-world stories, and straight talk about navigating retirement with confidence—not confusion. Plus, all subscribers get exclusive early access to advance chapters from my upcoming book. For Canadians 55+: Get actionable advice on making your home equity work for you, understanding your options, and living retirement on your terms. For Mortgage Brokers and Financial Professionals: Learn how to become the trusted advisor your 55+ clients—it's your opportunity to build lasting relationships in Canada's fastest-growing demographic. Sue Don’t Retire…Re-Wire! References & Resources for You or a Loved One On Loneliness and Social Isolation: • U.S. Surgeon General. (2023). Our Epidemic of Loneliness and Isolation: The U.S. Surgeon General's Advisory on the Healing Effects of Social Connection and Community. https://www.hhs.gov/sites/default/files/surgeon-general-social-connection-advisory.pdf • Medicare FAQ. (2024). Loneliness in Seniors Statistics: Combating Social Isolation. https://www.medicarefaq.com/blog/senior-loneliness-statistics/ • Mayo Clinic. (2023). Loneliness and Social Isolation Through the Holidays. https://newsnetwork.mayoclinic.org/discussion/loneliness-and-social-isolation-through-the-holidays/ On Depression and Mental Health: • Kok, R.M., & Reynolds, C.F. (2020). The association between loneliness and depressive symptoms among adults aged 50 years and older: A 12-year population-based cohort study. The Lancet Psychiatry. https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(20)30383-7/fulltext • Cigna. (2021). The Loneliness Epidemic Persists: A Post-Pandemic Look at the State of Loneliness Among U.S. Adults. On Traditions and Rituals: • Oregon Counseling. Why Traditions Matter to Mental Health. https://oregoncounseling.com/article/why-traditions-matter-to-mental-health/ • Care365. Maintaining Traditions with Seniors. https://www.care365.care/resources/maintaining-traditions-with-seniors Additional Support: • National Council on Aging. Four Steps to Combat Loneliness in Seniors During the Holidays. https://www.ncoa.org/article/four-steps-to-combat-loneliness-in-seniors-during-the-holiday-and-beyond/ Emergency Services If the situation is urgent or someone is in immediate danger: Call 911. Canada Suicide Prevention Service (CSPS) • Call: 1-833-456-4566 (available nationwide, 24/7) • Text: 45645 (evenings) • Chat: available at 988.ca

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