{"id":142,"date":"2011-10-03T23:39:08","date_gmt":"2011-10-03T23:39:08","guid":{"rendered":"http:\/\/jolene-test.com.bishopcompsol.com\/?p=142"},"modified":"2011-10-03T23:39:08","modified_gmt":"2011-10-03T23:39:08","slug":"retirement-101","status":"publish","type":"post","link":"https:\/\/jolenephilo.com\/staging\/retirement-101\/","title":{"rendered":"Retirement 101"},"content":{"rendered":"<p><a href=\"http:\/\/jolenephilo.com\/staging\/wp-content\/uploads\/2011\/11\/shapeimage_1-8.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-medium wp-image-143\" title=\"shapeimage_1-8\" src=\"http:\/\/jolenephilo.com\/staging\/wp-content\/uploads\/2011\/11\/shapeimage_1-8-300x171.png\" alt=\"\" width=\"300\" height=\"171\" srcset=\"https:\/\/jolenephilo.com\/staging\/wp-content\/uploads\/2011\/11\/shapeimage_1-8-300x171.png 300w, https:\/\/jolenephilo.com\/staging\/wp-content\/uploads\/2011\/11\/shapeimage_1-8-500x285.png 500w, https:\/\/jolenephilo.com\/staging\/wp-content\/uploads\/2011\/11\/shapeimage_1-8.png 700w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/a><\/p>\n<div>\n<div>\n<p>As a rule, this blog is a place where readers can come to relax and reflect. But today\u2019s post will be an exception. Today\u2019s post is issue driven, and we\u2019re going to talk retirement. Why?<\/p>\n<p>Because it\u2019s important.<\/p>\n<p>For the past three years, I\u2019ve been helping Mom manage her finances. For the\u00a0 last two months, I\u2019ve spent hours activating her long term care insurance and arranging for some in-home care three days a week. Sure, it\u2019s a bit of a hassle, one more thing to cram into my busy days. But, it has also been much easier than what many families face because Mom has the financial means to meet her care needs.<\/p>\n<p>Lately, I\u2019ve been asking myself this question: Why is a former school teacher who raised three kids and cared for her chronically ill husband for 38 years in such good financial shape? Here are a few good answers:<\/p>\n<ul>\n<li>Because she took out exceptionally good long term care insurance many years ago.<\/li>\n<li>Because she pinched pennies throughout her life and saved diligently for retirement.<\/li>\n<li>Because as she worked, she wisely built up her pension income.<\/li>\n<li>Because my brother and sister-in-law share their home with her.<\/li>\n<\/ul>\n<p>My siblings and I are all very grateful for Mom\u2019s foresight and wise money management. We\u2019re following in her footsteps, too. Hiram and I have long term care insurance policies (I think the sibs do, too), and we all save extra for retirement. And our kids are learning how to care for the elderly (that will be us in another generation) by observing how we treat Mom.<\/p>\n<p>An NPR series about baby boomers and retirement that aired last week shows how rarely members of the upcoming generation of senior citizens engages in this kind of planning. If you haven\u2019t done much retirement planning, you\u2019ll want to listen to every episode of the series. But even if you and your elderly parents have planned well, the series is worth listening to in it\u2019s entirely. The reporters present some really good information and highlight many of the resources I learned while helping Mom. How I wish I\u2019d known it about three years ago!<\/p>\n<p>If you\u2019re convinced, here are links to the series, in the order they aired:<a title=\"http:\/\/www.npr.org\/2011\/09\/27\/140680583\/retirement-reality-not-as-rosy-as-expectations\" href=\"http:\/\/www.npr.org\/2011\/09\/27\/140680583\/retirement-reality-not-as-rosy-as-expectations\"><br \/>\nRetirement: Reality Not as Rosy as Expectations<\/a><a title=\"http:\/\/www.npr.org\/2011\/09\/28\/140853479\/boomers-delusion-about-health-in-retirement\" href=\"http:\/\/www.npr.org\/2011\/09\/28\/140853479\/boomers-delusion-about-health-in-retirement\"><br \/>\nBoomers\u2019 Delusions about Health in Retirement<\/a><a title=\"http:\/\/www.npr.org\/2011\/09\/28\/140875965\/saving-for-retirement-how-much-do-you-need\" href=\"http:\/\/www.npr.org\/2011\/09\/28\/140875965\/saving-for-retirement-how-much-do-you-need\"><br \/>\nSaving for Retirement: How Much Do You Need?<\/a><a title=\"http:\/\/www.npr.org\/2011\/09\/30\/140915734\/what-is-retirement-anyway\" href=\"http:\/\/www.npr.org\/2011\/09\/30\/140915734\/what-is-retirement-anyway\"><br \/>\nWhat Is Retirement Anyway?<\/a><a title=\"http:\/\/www.npr.org\/2011\/09\/30\/140944828\/last-word-in-business\" href=\"http:\/\/www.npr.org\/2011\/09\/30\/140944828\/last-word-in-business\"><br \/>\nForget Florida: Colder Climes Top Retirement List<\/a><\/p>\n<p>After you read or listen to the stories, come back and leave a comment about what you read. Or share your best retirement planning tip. And rest assured, tomorrow this blog will be back to relaxing, reflective topics you\u2019re used to&#8230;as long as our retirement plans keep holding out.<\/p>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As a rule, this blog is a place where readers can come to relax and reflect. But today\u2019s post will be an exception. Today\u2019s post is issue driven, and we\u2019re going to talk retirement. Why? Because it\u2019s important. For the past three years, I\u2019ve been helping Mom manage her finances. For the\u00a0 last two months, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[7],"tags":[818,882,998],"class_list":["post-142","post","type-post","status-publish","format-standard","hentry","category-family","tag-mom","tag-npr","tag-retirement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retirement 101 - Jolene Philo Staging<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement 101 - Jolene Philo Staging\" \/>\n<meta property=\"og:description\" content=\"As a rule, this blog is a place where readers can come to relax and reflect. 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