How sending positive messages to yourself will improve your mood!

You know that feeling you get when someone leaves you a surprise note?

It is a tiny bit of magic when someone tucks a note into a place they know you’ll find it.

It makes you feel like you are important enough to be thought of in advance – so much so that someone has considered how you’ll feel in the future and done something about it.

I say we can do that for OURSELVES too!

When I’m in the best version of my relationship with myself, it is my affirmations of me to me that are the most meaningful. Also, I know what I need in various situations.

So. What if you made a habit of writing yourself encouraging notes of what you know your soul needs to hear? Write it down. Tuck it into your bag, cutlery drawer, freezer, mail box. Tape it to the inside of your dustpan, bathroom cupboard, glove compartment, bedside table.

And TA-DA! You have a fool-proof, personalized pick-me-up to be enjoyed at various spontaneous moments!

BONUS! Try asking your friends: “Have any of you sent yourself a card in the mail?” and see what kind of discussions you can strike up!

Healthy connections are crucial in retirement

Look up!

Ever notice that you look at your phone more than you want to? Ever look up and realize you got caught up in scrolling a little too much?

There is good reason for that. Software engineers are hired by handfuls of tech companies to keep high engagement levels in social media apps.

Turns out, it’s actually no mystery that notifications keep us opening apps over and over again.

The little notification flags, hearts, and “like” symbols have been proven to release dopamine and make us feel a little rush of connection.

Connection is great! And social media can be fun too.

But maybe our next step is to make sure we get the connections we’re looking for. Healthy connections, both online and IRL. Connection through community, relationships, etc.

My program, Power Up Your Retirement Lifestyle, is tailored to people looking for connection while transitioning into retirement. The online program helps focus your thinking on what is important to you.

Check it out and register today!

Professional Development 2020

Are you planning for your professional development in 2020? What topics do you need to know more about to help you achieve your professional goals?

I am planning on offering a series of half-day workshops in 2020 and would love to know what topics interests you the most. Please take a few minutes to answer this short survey. Thank you.

Are you going to be a full-time babysitter in your retirement?

People have told me that one of their fears about retirement is that their adult children will expect them to care for the grandchildren on a day-to-day basis or to change their plans at a moment’s notice.

If this is a concern for you, then you need to think about whether or not this is something you want to do.

Once you are clear on what it is you want and are willing to do, have a conversation with your adult children around expectations and boundaries.

This may be an uncomfortable conversation for you to have. However, doing something you really don’t want to do has a cost on you and your relationship with your adult children.

Be honest with yourself and your adult children even if it means disappointing them. At the very least they will know where you stand.

Do you talk to your partner about retirement?

Many people have no idea when their partner is going to retire. They just know their own date of retirement.

Since retirement is a HUGE change in someone’s life and will certainly impact a relationship, it’s important to find out what you’re each thinking.

The best action to take is to talk about it openly and honestly and there is certainly a lot to discuss such as:

  • Potential retirement dates
  • Finances / budget / financial planning
  • Tax Planning
  • Insurance needs (house, health, disability, long-term care; etc.)
  • Medical, health and dental benefit plans
  • Revising or writing your Last Will and Testament; Living Will or Health Care Directive; Identifying Power of Attorneys for Financial and Health Care (Health Care Proxy); Trusts
  • Expectations and desires; and
  • Your bucket lists that each of you want to experience together as well as apart.

Once you know what each other is thinking then you will be in a much better position to start planning!

Another situation that can happen is that you have been retired for a few years and soon your better half will be joining you. This will certainly be a transition for both of you which could be difficult and rocky or smooth and exciting or a combination of all of these.

Someone recently told me, “It was on my husband’s first official day of retirement, when he wandered into the kitchen, and questioned my ability of how to fill the dishwasher.” They had a good talk afterwards to work out a few things! 🙂

Again, the more you communicate with your partner the better prepared you both will be – talk about expectations, boundaries, challenges, obstacles and the opportunities that will be available to the both of you!

How to avoid running out of money in retirement

Running out of money in retirement.

It’s a really scary thought.

It’s actually one of the biggest fears people have about transitioning into this next chapter of their lives.

Many people also worry they won’t have enough money to live the life they want.

And that right there folks is the reason why planning for retirement mentally and emotionally first, and then working with a financial planner to flesh out your plans even further, will help give you the bigger picture.

If you don’t know how you want to live your life in retirement, how will you know if you have enough money?

Planning ahead is the key to alleviating your fears.

– Do you want to travel the world six months out of the year?

– Do you want to buy a motorhome and travel?

– Do you want to buy a recreational property outside of Canada?

– Are you staying close to home because of grandchildren, family and /or volunteer commitments?

– Will you have enough money to maintain your property, pay down your mortgage (if you still have one), pay all of your day-to-day costs such as utilities, food, insurance?

– Will you need money to help out your adult children?

There are so many paths you can take and each path may require a different level of financing. The more clarity you have about how you want to live your life in retirement and know your personal needs and goals — the more accurate your financial plan will be.

If your goals or life circumstances change such as you want to buy a new house, go on a trip of a lifetime, a change in marital status, become ill, etc., it is best to check in with your financial planner.

They will be able to look at your entire financial picture and you will be better informed as to how it may impact you in the long run.

So, as you get closer to retirement, start planning for the next phase of life by identifying your needs and goals to ensure you’re going to be on track financially.

If you realize that some of your goals may require more money than you have set aside, then you have time to make some adjustments which could include increasing your savings, decreasing your spending, working longer, transitioning to part-time, etc.

Your financial planner can help you look at the different options and what might work for you.

And on the mental, emotional, dreamy side of planning for retirement, I’ve got your back.

My Power Up Your Retirement Program is an online educational program which provides a high-quality video training series, group coaching, an online community and other educational resources focused on helping you transition into a successful retirement. The focus of the program is not financial.

Instead, it focuses on helping you plan psychologically for a successful retirement. The goal is to help you plan for your transition from working full-time to retirement post-career and help you manage worry, sadness and fear so your retirement will be happy, meaningful and purposeful.

Check it out today at

And once you’ve done the hard work, it’s time to book an appointment with your financial advisor.

Happy planning. 🙂

Keeping up can be exhausting

Do you notice that people go faaaaast! Too fast? “Keeping up” can be exhausting.

Slowing down can also be hard for those of us who have been working hard all our lives.

How do we put the breaks on the train without causing too much tension?

It’s going to take effort to change the expectations you have of yourself to “produce” as much or “get it all done today”.

Now more than ever, it’s time to let go of those old ideas that don’t serve you anymore. Why not challenge yourself to:

– Have more slow days
– Stop making unrealistic deadlines for yourself
– Sit down in a cafe and have a coffee instead of taking it to go
– Allow yourself a sleep-in
– Do your chores at a slower pace
– Breathe

Ease into the new paradigm: Plan to let people go around you, you’re retired 😉

What do you do to take it slower?

Out with the old!

Elizabeth Gilbert changed our lives when she wrote, “Eat, Pray, Love” and told us about her journey of courage.

Uncovering her truth to live a life of freedom and empowerment, she spoke directly to our hearts – to that place that only we know is real.

We were touched when we realized that her story is like so many of our stories… that we deserve real happiness and love. Many of us are ready for this! We are tired of the old mental patterns – the ones that put us down and steal our joy.

When we get tired of our own bulls#!t – it means the time is now to use that momentum to put a new practice into reality.

Maybe the new practice can be a simple mantra for yourself? A mantra is like a mini-meditation. A couple of my faves are: “Too Blessed to Be Stressed” and “The Best Project You’ll Ever Work On Is You”.

Do you have a mantra that helps you?

CBC’s The Stats of Life on Retirement

CBC’s The Stats of Life did an interesting episode on retirement.

We meet a 72-year-old widow who placed ads seeking like-minded women to form an “intentional community”; an 82-year-old woman who wants to do even more volunteering despite her failing eyesight; and a couple in their 60s who have planned every aspect of their retirement have one more thing to do – talk to their children about their end of life plans.

I would love to hear your thoughts on this episode.