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Welcome to the blog pages for Next Phase of Life. Here you will find informative articles, how-to advice and inspiration from experts as well as those who have faced the same challenges as you. We’ll cover topics that are important to your Next Phase of Life including finances, activities, community, health and motivation.  Feel free to browse, or better yet, subscribe to get a weekly digest of new articles.

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Articles & Information From Next Phase of Life

Don’t Get Upset Over First-World Problems

Don’t Get Upset Over First-World Problems

I am writing this article because of a challenge my wife and I are facing. I hope you are sitting down and prepared to be shocked….our internet service is down! From the way we originally reacted you would think this was a crisis on a scale to rival the Gulf War or pandemic – especially when we found out they couldn’t get a technician to us for 24 hours. 24 hours? Don’t they realize we are read more…

Change Your Habits and Change Your Life

Change Your Habits and Change Your Life

If you want to change your habits and change your life: let’s say it straight up front: inertia is your enemy. What do I mean by inertia? Freedictionary.com gives two definitions for the term “inertia”: 1. The tendency of a body to resist acceleration; the tendency of a body at rest to remain at rest.  2. Resistance or disinclination to motion, action, or change read more…

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Five Benefits of Volunteering in Retirement

Five Benefits of Volunteering in Retirement

More Great Stuff From Next Phase of Life

The Benefits of Simply Getting Outside

The Benefits of Simply Getting Outside

Americans now spend an alarming 93 percent of their time indoors, despite the benefits of getting outside.

We have become an indoor species, which is having consequences on our physical and mental health.

Staying inside is detrimental on its own, especially since indoor air can be 5 times more polluted than outdoor air. We’re also often sedentary and tethered to a digital device while inside. read more…

Planning Your Retirement Finances

Planning Your Retirement Finances

It’s time to get your retirement finances in order but you don’t know where to start. Your biggest asset is your 401k so do you start with retirement planning? But then you think about the other money you have in real estate, a college savings account and at the bank. You begin to wonder if you need a financial plan instead? Then you start to think about what you want to do in retirement. Do you want to travel, have a mobile lifestyle or simply sit back at home and perfect your hobbies? Which plan does that fit into? read more…

Single and Retired – 5 Steps to Prepare

Single and Retired – 5 Steps to Prepare

As you reach the end of your career, it is imperative that you begin to look into the next steps of life, especially if you are single and retired. However, many overlook the simple fact that retirement does not look the same for everybody — especially those who are single.

A stereotypical American life can often be defined as growing up, getting an education, pursuing your career, and more often than not, getting married. But for those who are perhaps divorced, or have made the choice to remain single, this path of life is not the one they chose. read more…

Have a Happy Retirement (or Not): It’s Your Choice

Have a Happy Retirement (or Not): It’s Your Choice

I bet the title of this article got your attention. You may have immediately agreed with the premise. However, there will be many people who claim that it is not their choice of whether to have a happy retirement because the circumstances of their life make it impossible.

I talk to a fair amount of people who are either in, or about to enter, the retirement zone, and when I suggest that they have control over their retirement happiness, I hear things like: read more…

One Question to Help You Know What Type of Business to Start in Retirement

One Question to Help You Know What Type of Business to Start in Retirement

You are pondering which type of business to start in retirement, but not sure which type of business makes sense for you. There are so many different types of businesses you can start these days. Where do you even begin?

There’s one key question you must ask yourself when deciding what type of business to pursue, and if you don’t, you’ll end up wasting your time and money. Let’s avoid that mistake all together. Shall we?

What’s the question to ask yourself? read more…

5 Retirement Planning Mistakes

5 Retirement Planning Mistakes

Here are five retirement planning mistakes and how to deal with them, courtesy of ColoradoSpringsOver50.com.

1 – Be careful in putting all your investments (nest egg) in one basket

A planned well-diversified portfolio facilitates positive performance of some investments and can  balance out poor performance of others investments. The mix of investments in different asset classes (e.g., stocks, bonds, real estate) help keep your retirement goals on track even when one investment goes through and downsizing period. read more…

Are You Scared About Retirement? – Here are Five Ways to Get Unscared!

Are You Scared About Retirement? – Here are Five Ways to Get Unscared!

Yes, I know that “unscared” is not a real word – but it fits the purpose of this article – especially if you happen to be scared about retirement. Let’s face it, while retirement can be exciting, it can also be a bit daunting, with some unique challenges and pitfalls to avoid. Here are a few reasons why you might be legitimately scared about retirement, along with potential solutions. read more…

Eight Ways to Boost Your Personal Value

Eight Ways to Boost Your Personal Value

One of the unfortunate aspects of facing retirement, or getting older for that matter, is the tendency to lose our sense of personal value. Our work doesn’t require our services, our friends may drift away, our adult children are mostly self-sufficient and perhaps we even feel as if our thoughts and presence are now unwanted. Perhaps we now depend on those who used to depend on us.

It’s not unusual to sense a loss of personal value in the retirement phase of life, but this does not have to be the case. read more…

Reconciling our retirement dates and dreams

Reconciling our retirement dates and dreams

Note: we are happy to bring you this article because it showcases the types of issues many couples face when planning their retirement dates. You can find many more articles from Brian Jones at https://brianjonesdiary.com/.

Reconciling our retirement dates and dreams

My wife dropped the bombshell last night that she was considering putting off her retirement to “somewhere between 60 and 65”. read more…

Everything You Need To Know About Retirement Home Equity

Everything You Need To Know About Retirement Home Equity

Home financing options and mortgage terminology can be confusing. Plus, people’s home financing needs change with age and vary in different stages of life. Understanding retirement home equity is an important key to finding financial success in retirement.

Equity is the portion of your home’s value minus the mortgage balance that you accrue over time. When you get a home loan, the bank owns the majority of the home and they charge interest to borrow that money. read more…

Stop Being Judgmental and Boost Your Happiness

Stop Being Judgmental and Boost Your Happiness

First, let me start with a confession. I wrote this article about how to stop being judgmental because I have this tendency in my own life. Does this ring a bell with you? Judgmentalism is a common human trait that sometimes grows as we get older. And no, I am not one of those who yell at the kids to “Get off my yard” out my front window. First of all, because we are not located where kids are likely to play in our front yard, and second, because I would probably go out and join them. read more…

Avoid Boredom In Retirement

Avoid Boredom In Retirement

Avoid Boredom In Retirement

“I don’t think I’ll ever retire.  I don’t know what I’d do all day.”

Have you ever had anyone say that to you?  I suspect you have, given how common this sentiment is among people of retirement age.  Many people love their work and worry that they’d be bored without the daily activity their job provides. Unfortunately, even if you love your work, there will likely come a day when you’ll retire, whether by choice or by circumstances outside your control. read more…

Choose Your Retirement Tribe Carefully – the Power of Community

Choose Your Retirement Tribe Carefully – the Power of Community

Of the many decisions people make going into retirement, the choice of one’s “retirement tribe” is often the most neglected. Lots of thought may be given to issues like finances (do we have enough?), health (will I have energy for the journey?), residence (where are we going to hang our hats?), and so forth.

So, what do I mean by “retirement tribe”? Simply the people that you will see or talk to on a regular basis for the purposes of support or recreation. read more…

12 Fun Retirement Ideas

12 Fun Retirement Ideas

At the time I am writing this, we are still in the middle of the coronavirus era of social isolation. Hopefully, that will be easing soon and we can all get out to play more – perhaps with more social distancing and avoidance of large crowds. But with this in mind, there are still plenty of options for fun and recreational pursuits. read more…

Understanding Your Personal Balance Sheet

Understanding Your Personal Balance Sheet

A personal financial balance sheet shows you a snapshot of your financial health: how much money and assets you have, how much debt and liabilities you have, and what your net worth is when you subtract your liabilities from your assets.

Unlike a budget where you track how much money is coming in as income and how much money is going out as expenses, a balance sheet tracks how much you have at a fixed point in time. Even businesses, the government, and non-profits use a balance sheet to measure their financial strength. read more…

9 Signs You Are Ready to Retire

9 Signs You Are Ready to Retire

Occasionally, I’m asked by readers and personal contacts, “When do I know that I am ready to retire?”. My immediate reaction is: don’t worry, you will know. While this is true for some, for others, they are not sure when the right time is, and just sort of play it by ear. Sometimes, the decision is made for us, by a company that no longer wants our services. If this happens to you, perhaps you are a victim of ageism in the workplace. Or, there may be a triggering event, like the deterioration of your health or that of a spouse or close family member. However, like most things in life, it is better if retirement is an intentional event, not one foisted upon us by circumstances. read more…

No Money Saved for Retirement?  Here’s How to Fix That.

No Money Saved for Retirement? Here’s How to Fix That.

According to the U.S. Government Accountability Office, 48% of people over age 55 have no money saved for retirement. That’s a scary high number which makes you wonder how that many people got to 55 without putting any money aside. I’m willing to bet that some of that number is based on some sort of financial catastrophe like a divorce or a major medical situation. Another portion of that stat is going to be folks working hard, raising a family and just not having enough to set any extra aside. read more…

Protecting Retirement Finances in the COVID Era

Protecting Retirement Finances in the COVID Era

As I write this, the stock market is off about a third from its high, with no sign of a rejuvenation. According to an April 2, 2020 article in Forbes, a MagnifyMoney survey found that 38% of investors are worried they’ll lose all their retirement savings due to the COVID-19 outbreak. Almost 10 million Americans have filed for unemployment in the first two weeks since serious social isolation happened. This double sledgehammer of job loss and dwindling assets is a hard burden to bear. The need for protecting retirement finances is even greater in the COVID era. read more…

Now or never? Deciding when to retire

Now or never? Deciding when to retire

Publisher’s note: This Retirement Voices blog post by Roxanne Jones, explores factors that go into making her personal decision about when to retire.

I’ve been working for (gulp!) 50 years, the last 25 as a freelance medical writer. I’m fortunate to have developed a stable of clients who give me regular work. To keep my sanity, I sometimes even have to turn down projects. It’s a good problem to have.

But juggling constant multiple deadlines is getting old. I’m 66, and the “life is short” refrain is getting louder and more insistent. read more…

What is Your “Why”?

What is Your “Why”?

To Succeed You Need To Have A Strong “Why” – What is Your Why?

“There’s a difference between interest and commitment. When you’re interested in doing something, you do it only when it’s convenient. When you’re committed to something, you accept no excuses; only results.”
– Kenneth Blanchard

read more…

Why You Need the Right Retirement Mindset

Why You Need the Right Retirement Mindset

Many articles, books and videos about retirement neglect the value of a positive retirement mindset. Yet, I believe that your attitude about this important phase of your life can be as crucial as the issues of health and finances. We all know retired people who have money, good health, and plenty of friends and family around, yet spend much of their time acting miserable. read more…

Ageism in the Workplace: How to Protect Yourself

Ageism in the Workplace: How to Protect Yourself

Ageism in the workplace is a serious issue that can damage your chance of finding a job or moving up the corporate ladder. Ideally, advancing in age should be considered a beautiful thing, a telling testament of long years of acquiring knowledge and experience. Yet, if a hiring manager passed you by simply because you were too old, or opted to give the promotion you deserved to someone younger, but far less experienced – you, may be an unfortunate victim of this insidious form of discrimination. read more…

Five Retirement Landmines You Must Avoid

Five Retirement Landmines You Must Avoid

You can read lots of articles, listen to podcasts and watch videos on what to do to create an ideal retirement. That’s great but you can hurt your golden years by not paying attention to some potential retirement landmines – danger zones that can sink even thoughtful retirement plans.

Here are  five retirement landmines to avoid: read more…

Embracing Lifecycle Health

Embracing Lifecycle Health

As we progress through what we’ve termed the “Wellness Revolution” there are a lot of belief systems about human health and wellness that need to evolve and change to deliver a wide-angle approach to embracing Lifecycle Health. We’ve chosen the term, “Lifecycle Health” to signify a more comprehensive view across the complete human life cycle. None of the other terms used today in the fields of Healthcare and Wellness are comprehensive enough, either in scope or time frame. read more…

Dying of Loneliness – Living Alone Can Shorten Your Life

Dying of Loneliness – Living Alone Can Shorten Your Life

Approximately one-fourth of Americans over the age of 65 live alone.  By the time they reach age 85, this will increase to around one-half of senior citizens who are living alone.  What most of them do not realize is that living alone increases their risk of an early death by 32 percent, regardless of any other health issues they may have.  Loneliness is as deadly as smoking 15 cigarettes a day or being obese. read more…

Financial Retirement Planning: Don’t Outlive Your Money

Financial Retirement Planning: Don’t Outlive Your Money

Retirement financial planning is crucial because many Americans are at risk to outlive their money. Or at the least they risk having to make sacrifices and live below their preferred standard of living. Some are worried about even making it to retirement. In fact, according to a study by the Boston College, “one in three baby boomers don’t think they’ll ever be able to retire.” read more…

Entrepreneurial Mindset – The Most Critical Characteristic

Entrepreneurial Mindset – The Most Critical Characteristic

My wife is from eastern Nebraska also known as the cornhusker state. Traveling thru eastern Nebraska, just about all you can see is corn and more corn. The lack of visual diversity often causes abstract thoughts to dominate my self-talk as the miles click by. During a trip one summer, I realized that an ear of corn can teach us much about a critical characteristic of an entrepreneurial mindset. read more…

Mapping Out a Fulfilling Retirement

Mapping Out a Fulfilling Retirement

Note: this article about achieving a fulfilling retirement originally appeared Feb 20, 2020 at the Squared Away Blog and is republished with permission of the author, Kim Blanton.

One might say that baby boomers on the cusp of retiring come in two varieties. Some cannot wait to retire and already have a plan. For others, the unknowns fill them with dread.

How will I occupy my days? read more…

Baby Boomers And The Gig Economy – Why It Works

Baby Boomers And The Gig Economy – Why It Works

The gig economy is big and growing. It’s projected to have double digit growth over the next five years. And we’re not talking small numbers. The customer revenue generated through this sourcing channel is anticipated to expand from $204B in 2018 to $455B by 2023. That’s no tiny growth curve.

What is interesting is that these type of hiring practices really aren’t that new. read more…

Supportive Community: How to Find Your Retirement Tribe

Supportive Community: How to Find Your Retirement Tribe

A supportive community is one of the five pillars of a great retirement or other next phase of life. And even if you have the other four pillars – health, purpose, adequate finances and a positive mindset – your life will be diminished without the right people to share good times and not-so-good times. I read recently that one in five seniors can go a week without having a meaningful conversation. read more…

Retirement Friendships – Optional or Mandatory?

Retirement Friendships – Optional or Mandatory?

I was fortunate to read an advance copy of Lydia Denworth’s new book, Friendship: The Evolution, Biology, and Extraordinary Power of Life’s Fundamental Bond. It’s an interesting read because Denworth meets scientists at the frontiers of brain and genetics research and discovers that friendship is reflected in our brain waves, our genomes, and our cardiovascular and immune systems; its opposite, loneliness, can kill. read more…

How do You Know When You Can Retire – Financial Planning?

How do You Know When You Can Retire – Financial Planning?

Society’s standard on retirement is at the age of 65 when you can start Medicare. There are many in the media and entertainment industry that will tell that you need to have a minimum of $1 million dollars saved. While well intentioned, this is false retirement financial planning.

Those two thoughts would work for almost anyone of course, 65 and $1 million dollars. But I’m in my early 50’s so I would be looking at 10-15 more years of working behind a desk.

That works for some, but it didn’t for me. read more…

A Newly Discovered Link Between Brain Activity and Aging

A Newly Discovered Link Between Brain Activity and Aging

A new study reveals that the activity of the nervous system affects longevity.

Why do some people live into their 90s and others not make it past 70? Despite centuries of seeking the secret to longevity, we don’t have many answers yet, biologically speaking. But a new study from Harvard Medical School, published October 16 in Nature, has for the first time pinpointed the role of neural activity on the aging process and  expanding or shortening how long an individual will live. read more…

Budgeting: Not Fun but Necessary for a Secure Retirement

Budgeting: Not Fun but Necessary for a Secure Retirement

“Happiness is reality less expectations. When you control your budget you control your expectations.” – Vitaliy Katsenel

Happy New Year everyone! As is common around this time of year, many people are making resolutions to better themselves in some form or fashion. The most popular resolutions people make here in the US center around health and money (I’ll let you guess which of these two we are going to write about today). read more…

Fueling the Healthcare Revolution

Fueling the Healthcare Revolution

Recovering the Health and Vitality of Our Generation and the Next

The field of healthcare in North America is in desperate need of a full-on revolution. Despite more advances in science, medicine, philosophy and psychology than any other time in history, the percentage of chronically ill Americans is also higher than any time in history. Tragically, those percentages are growing dramatically. This healthcare revolution is long overdue. read more…

Focus on the Gain, Not the Gap

Focus on the Gain, Not the Gap

As we come to the end of one year and the start of another, our thoughts often turn towards what we accomplished vs. what we failed to accomplish. If we got what we hoped for, it was a good year, and if not, we suffer the pangs of regret. This is what noted author and business expert Dan Sullivan refers to as “focusing on the gap instead of the gain”. read more…

The Most Common Reason People Don’t Walk More for Exercise

The Most Common Reason People Don’t Walk More for Exercise

In this article I talk about why, unlike in Europe, many people in the US do not walk more. I used to think it was laziness until I visited southern Europe. I live in the U.S. where 2/3 of adults are overweight or obese. But in Spain, France, Italy, Montenegro, and Greece, I was astounded to see sidewalks crowded with pedestrians, in contrast to the empty sidewalks in America. And almost nobody was overweight. read more…

Too Old to Work Out? Think Again

Too Old to Work Out? Think Again

I just read a disturbing Study Finds article that reported that: “Six in ten Americans said at the beginning of 2019 that this would be the year they finally get in shape, according to a recently survey. Yet two in five respondents now admit they feel “too old” to get back in the gym. In fact, the survey of 2,000 adults found that on average, the age when most in the survey felt too old to work out regularly was just 41 years old.” read more…

Conquering Financial Insecurity in Retirement

Conquering Financial Insecurity in Retirement

My recent article talked about the elements of financial security, both before and during retirement (or semi-retirement). I happen to live in a community where the vast majority of the residents are comfortable when it comes to finances and they certainly qualify as financially secure. They possess the means to pay all their expenses, fund the lifestyle of their choosing, and have plenty of assets available to cover unexpected emergencies. read more…

The Perils of Inactivity: Why You Need to Move

The Perils of Inactivity: Why You Need to Move

If I had to use one word to sum up the biggest danger to a happy and successful next phase of life, it would be “inactivity”. The perils of inactivity are real to your physical and mental health. You’ve got to keep moving and you’ve got to keep thinking because what doesn’t move atrophies. Wasting Away in Margaritaville is a fun song, but your wasting away wherever you are is a very bad thing indeed. read more…

Is Teaching In Your Future?

Is Teaching In Your Future?

I’m a retired Computer Scientist originally from the Boston area. I grew up in the suburbs, close to the ocean, toward cape cod.  It was a great place to live as a young person. No bills, no worries, and way too much free time.  Anyway, schools were good, and lots of opportunity to play. read more…

Should You Have a Bucket List?

Should You Have a Bucket List?

Bucket lists are a popular topic among all age groups, but especially those in their 50’s, 60’s and beyond. There was even a popular movie titled The Bucket List, released in 2007, featuring seasoned actors Jack Nicholson and Morgan Freeman – who played two men with terminal illnesses – who wanted to cross items off their own bucket lists before they died. read more…

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Next Phase of Life!

A Collection of Expert Information and Inspiration designed to help you navigate the complexities of pre-retirement and retirement.

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