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Wiggle room

I’ve been sitting here the last few days of 2017, watching the clock wind down. It’s been a whirlwind the last couple of weeks of the year because no part of planning life ever works out. This is especially the case when you have people you need to interact with, like family and friends for instance.

You’ve heard the saying, ‘no man is an island.’ I don’t know who said it, but it’s true. We may want to be an island sometimes. And those of us who are introvert homebodies try to be an island, but the fact is, we live on a sphere with almost seven billion other people. We must participate from time to time. That’s just the way it goes.

Another saying I have heard, probably loosely taken from The Bible, is ‘While we are planning our lives, God is laughing.’ Because we all know nothing goes as planned when it comes to life. The fact is, we should plan. Because there is yet another saying, ‘those who fail to plan, plan to fail.’ So, planning is appropriate, wise, and mature. But we can’t really get bent out of shape (too much) when things do not go as planned. 

My suggestion: leave some wiggle room in your life for the unplanned. If you do not, you will become one of those bitter, tired, angry, sad, lonely, frustrated, and the list goes on; people that we see daily. We work with them, we drive alongside them in traffic (scary), we may even live with them!

If you maintain wiggle room, you still get to grieve loss or the unexpected left turn; but chances are you will find a way to live with your new reality. Let me be real, wiggle room can even lessen the possibility of contemplating suicide. And wiggle room can create a new platform from which to help others.

Wiggle room can save many lives—yours and those who see you struggle but make it through, scars and all.

Wiggle room does not completely alleviate stress, it lessens the stress. Wiggle room allows us to make good decisions during the stress. Think about how to create wiggle room for yourself and your family in 2018.

Here’s a tip, wiggle room goes by other names:

margin, like leaving a little bit of margin in your checking account. Having a savings account. And generally watching your spending.

grace, like not being on ready when someone offends you or cuts you off in traffic.

time, like giving yourself extra time to make an appointment.

attitude, like having a good attitude in front of your kids when interacting with another adult, no matter how you feel about that adult.

Planning, I know we talked about planning earlier. But yes, we still need to have a plan.

Thankfulness, like realizing that if you are reading this, you are doing so much better than most of the people on this planet.

Those are just a few types of wiggle room. I’m sure you can think of some more. Create a list of your own, use this list, or combine the two lists. Then refer to the list regularly during 2018.

We will get caught off guard from time to time, but wiggle room along with a positive mindset will generally allow us to bounce back faster! Create some wiggle room in 2018!

 

Elderly and childless, are you ready?

Elderly and Childless

As I get older, I’ve been thinking about what it might be like to be elderly and childless. Sometimes it is at the forefront of my thoughts, sometimes it is in the back of my mind. Either way, getting old and having no children is on my mind constantly. Not in a negative, overpowering, or dreaded way; but more like a low, just audible hum. I wonder as an elderly woman  if I will be properly taken care of by strangers, if I must enter a long-term care or elder care facility. What if my mind goes and I am at the will and whim of strangers?

Those are valid thoughts and fears, aren’t they?

I am constantly thinking about the childless not by choice woman, at all ages and stages of her life. I am regularly asked what age group I have in mind when dealing with the childless, not by choice demographic. It’s all ages. From the time a woman finds out she cannot have children and on into her elder years. I don’t believe a woman ever heals from the hurt of childlessness. In fact, I am noticing more (affluent) women in their 40’s and 50’s, adopting or surrogating babies. Hoda Kotb, Janet Jackson, and Tyra Banks; to name a few.

 

Elderly Planning & Childlessness

Elderly Planning and ChildlessnessBut those of us who were just not able to have children or to adopt must have a plan.   I interviewed Reshell Smith, a financial services advisor to discuss finances for the childless not by choice woman around the world. Click here to listen to our interview: Global Finance for Women

The plan can and should range from having a solid financial plan which includes but is not limited to the following: a life insurance policy or enough saved to bury yourself and pay off your debts. Purchasing a long-term care insurance plan. Having an idea of where you would like to live as you age. There are assisted living facilities where you still have some autonomy, but there is staff on hand if you need assistance. Then as you get older, a full-fledged nursing home. You cannot wait until you are too advanced in age to purchase insurance.  At that point, insurance would be unaffordable or unattainable.

Our human nature tends to make us ignore the fact that if we live long enough, we will become elderly. The plans we need when we are elderly should have been obtained when they were affordable, during our younger years. There is a saying, ‘Those who fail to plan, plan to fail.’–Benjamin Franklin.

You remember when you were young don’t you and you thought you would be young forever. You probably even thought you were invincible. I know I did! And now I look ahead, reminding my Podcast listeners and my blog readers, to plan; hoping we make it to our end with our dignity intact.  All while not having even one child to at least in part rely upon.

Finance & Care

We don’t have children to take care of us in our elder years but because we want them. We want to love and nurture them into wonderful adults. At least that is the general idea.

What of elderly and childless, women and men, in countries where there is not even the minimal governmental plan, i.e. social security, Medicare, Medicaid? If you live in a country where at least social security exists, you have the opportunity for some semblance of a plan. Remember the elderly who live in countries where elder assistance does not exist, when you think you are too broke to have a plan.

And yes, even those with children, have no guarantee that any one of them would spare, create, or have the time to help them. Children are not a retirement plan, at least not in the Western world. No matter where in the world you live, have a plan.

Childlessness and being elderly