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Navigate Marriage and Life-building in Your Golden Years: A Comprehensive Guide for Senior Couple

Susan Lager • January 15, 2024
An Elderly Couple is Looking Into Each Other 's Eyes — Portsmouth, NH — Lager Susan R

Here’s another piece by Cheryl Conklin about the joys and challenges facing senior couples, something very common in my work.


Aging together gracefully requires intentionality around all these issues, in addition to being conscious and collaborative around parenting grown children and grandchildren.


I recommend that couples build in check-ins regularly around all these tasks so the division of labor, progress, and any conflicts are clear, and available to be addressed.


For senior couples, uniting in marriage and crafting a life together during the golden years presents a unique set of joys and challenges. Melding two lives, managing finances, and even considering entrepreneurial endeavors offers an array of opportunities for growth and exploration. This article from Susan Lager will detail essential considerations to ensure a smooth and fulfilling journey as you intertwine your lives in this vibrant stage.

Finding the Perfect Home

As you make plans for your combined future, selecting the ideal home becomes paramount. Consider engaging in research on locations that cater to senior lifestyles. Seek areas with desirable amenities, healthcare facilities, and communities that encourage social interaction. Online search tools make it easy to filter through what’s available to find options that meet your needs. Remember, the right home for your retirement years should not only be a place of comfort but also one that caters to both your needs and interests.

Boosting Home Value through Updates

Enhancing the value of your property can be achieved through strategic home updates. Consider renovations that increase safety, accessibility, and aesthetics. Focus on home improvement projects that add both comfort and value, such as installing grab bars, updating the kitchen, or landscaping. Such endeavors not only make your living space more enjoyable but can also yield a higher resale value.

Managing Your Finances

Merging lives also means combining finances. It’s imperative to have transparent conversations about assets, liabilities, and financial goals. Set a joint budget, ensure clarity on ownership of assets, and regularly review your financial plan. Prioritize savings and investments, aiming for a secure and comfortable future for both.

Navigating Medicare

With age, the prominence of healthcare concerns inevitably elevates, necessitating a deeper understanding and navigation of available healthcare options, such as Medicare. It is crucial to delve into the intricate details and nuances of Medicare to fully comprehend the varied options available and to familiarize oneself with the enrollment processes involved. Additionally, an assessment of individual healthcare needs and preferences is vital, serving as a compass to guide one’s choice to a Medicare plan that best aligns with their specific requirements. By ensuring a fit between personal healthcare needs and the selected plan, individuals can optimize the benefits received, facilitating a more secure and well-managed healthcare experience in their later years.

Updating Tax Filing and Social Security

Marriage can alter your tax status and can impact your Social Security benefits. Engage with a tax professional to ensure your filings reflect your new marital status. Additionally, investigate how to optimize Social Security benefits for both partners, ensuring you leverage the most from what you’ve earned over the years.

Starting a Business Together

If entrepreneurship piques your interest, launching a joint business can be an exciting venture. Reflect on mutual passions and skills, and consider the advantages of forming a business entity. Wherever you’re considering as your base, researching how to start an LLC will offer valuable insights into the process.

Marketing Your Business Creatively

To ensure business success, effective and innovative marketing is crucial. Tapping into online tools can make this easier; for branding, here’s a possible solution: utilize online logo makers to develop a distinctive brand image. Further, devise strategies that highlight your business’s unique offerings, ensuring it stands out in the marketplace and attracts potential customers.

Exploring the World Together

Traveling can further cement your bond, providing shared memories and experiences. Chart out travel plans that cater to senior needs, ensuring comfort, safety, and engagement. Opt for destinations that align with mutual interests, be it nature, culture, or adventure, and create memories that will be cherished for a lifetime. Navigating the intertwining of lives, managing shared finances, and pursuing shared dreams offers senior couples a unique tapestry of experiences. By focusing on these key aspects and approaching each decision with care, senior couples can ensure a life that’s as fulfilling as it is enriching. With open communication, planning, and a dash of adventure, the golden years promise to be a period of unparalleled joy and growth.

Susan Lager is a licensed, board-certified psychotherapist and relationship coach in Portsmouth, New Hampshire. Through her psychotherapy or coaching services, she can provide you with skills and tools to transform your life.

Surprises

By Susan Lager • March 31, 2024
This past month has been a whirlwind of initially trauma, then a series of sweet surprises and blessings. Following a serious car accident I've watched my body heal in unimaginable ways, consistent with the assurances of my doctors and nurses. I've learned about resilience, my own, but also other peoples'. My single sister came up to Maine to provide "nursemaid" services for two weeks, and graciously attended to me day and night. Her patience, diligence and compassion even surprised herself. My husband, who is limited physically, has done the same, also hauling my wheelchair in and out of the car, patiently fetching tons of thing I can't reach, and even walking Luca, our naughty dog, in the local park. This is all after "remodeling" our downstairs floor to be wheelchair-friendly, with all the supplies I need accessible - no easy feat! Our son and daughter-in-law have provided fabulous meals, visits, help with buying a new car, and new phones and watches so we can be more accessible. Our two granddaughters have visited and been loving, tender and attentive, surprisingly, at ages three and six! My other sister has provided funding for unlimited takeout meals, as her physical limitations prevent a late Winter visit up to Maine. Friends have provided dog walking, solicitous calls, and car trips to doctors while I'm unable to drive, with a broken right leg. Neighbors have provided the biggest surprises of all: multiple dog walks, pots of soup, ongoing offers of help, and continued concern about my status. I've been blown away by the compassion and generosity around me! These are people I would not previously have defined as "friends", but they sure will be, moving forward! Clients who previously insisted on live sessions, have been flexible and gracious in doing telehealth instead. One couple I've worked with for awhile sent me the largest, most beautiful bouquet of flowers I've ever seen in my life. I've also surprised myself with my resilience, mostly good cheer, adherence to the "Rules of Slow," and allowing others to help me, even asking for help when they can't read my mind. This has been virgin territory for me. So what's the lesson (besides trying to avoid avoidable car accidents)?: - Try not to shortchange either yourself or others with low expectations - see the possibilities. See the good in people. - Cultivate yourself as a Surpriser to others, particularly when they need it. Nurture community. Avoid self absorption. - Learn from adversity and grow. - Don't watch too much news, especially the traumatic stuff! It can distort your experience of life.... - Embrace the surprises that come your way, and let yourself feel deserving.

Acceptance

By Susan Lager • March 23, 2024
I have recently had a hard lesson on this subject after having a serious car accident last month. It was a cold day with icy roads and blinding sun as I drove East toward a local park to run Barley, our son's dog. Unfortunately, I dropped my sunglasses and foolishly did a quick dive for them, then ended up in a deep gulley on the side of the road, and hit a tree. The car was demolished, I ended up with 16 broken bones, but luckily, Barley was unscathed! Thankfully, his pre-existing dementia has probably protected him from remembering the event! Here I am, 3 weeks later, after two hospitalizations, fortunately with no permanent injuries, and no needed surgeries. Most importantly, no brain damage, so I'm my usual feisty, engaged and passionate self, able to do my work remotely. The unfortunate part that I've had to accept is being wheelchair - bound for at least 6 weeks, and dependent on my tired husband and sister to be nursemaids to me. Ugh! No usual 20 year old energy, doing this and that each day, running Luca, our dog in local parks when he's not in daycare. No stairs, so no upstairs showers or bedroom amenities like sleeping in a normal bed. No speed at anything now, as the smallest of actions need to be intentional and SLOW to prevent further injuries. (Having to accept and embrace SLOW has been totally foreign for me, like being a 90 year old)! I've had to accept routinely asking for help without shame or guilt, and graciously accept the ways people provide it. My friends, family and neighbors have been amazingly generous with their time, offering meals, dog walks, and various services. And each day I'm miraculously getting stronger with less pain, and more functionality! What I can tell you about Acceptance is that it's multi-pronged: It requires staying present and not going into regrets or "woulda-shoulda coulda''s" It requires the ability to count your blessings and lean into gratitude rather than focus on self pity - (It's amazing I survived this particular wreck! and have been the recipient of so much love and care). It requires the willingness to learn from experiences and see them as sometimes difficult, but valuable tools. It requires self compassion, and being gentle with yourself. It requires patience and perspective. "This too shall pass. Nothing is forever." It requires quieting the possible noise in your head, the toxic narratives you may spin about causality or fate. And for me, it really requires a sense of humor - without laughing too much because that doesn't jive well with broken ribs...... :) Susan

Finding Each Other Again: Rediscover Love in Mid-Life

By Susan Lager • January 3, 2024
Here’s another very astute piece by Cheryl Conklin of https://wellnesscentral.info addressing an issue which comes up frequently in my work with individuals and couples – how to nourish love at the “halfway” point, how to keep love and pleasure alive long after the original glow has worn off. And, contrary to popular myth that it’s […] The post Finding Each Other Again: Rediscover Love in Mid-Life appeared first on Susan Lager.

Stress Decoded: Personalized Strategies for a Calmer You

By WebAdmin • December 12, 2023
Here is an article by the very wise and articulate Cheryl Conklin of Wellness Central, about a subject central to my work as a therapist: stress – what causes it, and how to manage it on various fronts, so it doesn’t manage you. Stress is a normal part of everyday life, especially in today’s world […] The post Stress Decoded: Personalized Strategies for a Calmer You appeared first on Susan Lager.

“The Amazing Impact of Being Intentional in Your Marriage” – don’t miss the podcast!

By Susan Lager • June 17, 2023
Hello Reader, Earlier this week I did a BlogTalk Radio podcast about being intentional in your marriage, and in all your close relationships. This episode was about how when we live on purpose everything can change – our pleasure and happiness levels, our experience of connection with a partner and close friends, expectations can be adjusted more realistically, […] The post “The Amazing Impact of Being Intentional in Your Marriage” – don’t miss the podcast! appeared first on Susan Lager.

Boost Your Confidence and Live Life on Your Terms With This Guide

By WebAdmin • May 29, 2023
“Once again, Cheryl Conklin from WellnessCentral.info has hit the mark with her latest insights about how confidence can be enhanced through specific attitudes and behaviors. (I like to tell my clients that it’s a myth to think that confidence is a born trait, or that you only have it if you were on the right […] The post Boost Your Confidence and Live Life on Your Terms With This Guide appeared first on Susan Lager.

5 Signs Your Coronavirus Anxiety Has Turned Serious, Threatening Your Mental Health, and What To Do About It

By Susan Lager • March 15, 2023
CNN Health: “5 Signs Your Coronavirus Anxiety Has Turned Serious, Threatening Your Mental Health, and What to Do About It” Written by Susan Lager on May 12, 2020. Posted in Acceptance, Anxiety, Attitude, Balance, Change, Comfort, Connection, Courage, Depression, Gratitude, Grieving, Help, Humor, Life’s curveballs, Mindfulness, Perspective, Resilience, Resources, Rituals, Self care, Stress, Tools, Trauma […] The post 5 Signs Your Coronavirus Anxiety Has Turned Serious, Threatening Your Mental Health, and What To Do About It appeared first on Susan Lager.

Shifting Into Fall with Fun!

By Susan Lager • September 1, 2022
I was about to post about managing transitions when I saw this post from the Gottman Institute, realizing how relevant it was to my subject. I’m sharing it with you, hoping you benefit from all the wonderful ideas in it. Having fun and being intentional can be a vital part of dealing with transitions. Stay […] The post Shifting Into Fall with Fun! appeared first on Susan Lager.

Stop Right There: Unhealthy Habits to Kick for a Better Personal Life

By WebAdmin • June 30, 2022
Image Courtesy of Pexels Here’s an excellent guest article by Cheryl Conklin from wellnesscentral.info about tools for self nurture and for avoiding negative thoughts and behaviors. These tools are important for everyday life, and even more critical during the pandemic. Stop. No, really, stop. Those harmful habits of yours are hurting you! Not sure which […] The post Stop Right There: Unhealthy Habits to Kick for a Better Personal Life appeared first on Susan Lager.

Who Controls the Money?

By Susan Lager • February 8, 2022
Awhile ago, I worked with a couple who had this conversation in a session: “You know, sweetie, I decided that paying only $3500. for the bike I want would be a great deal! The electric bikes run about $5000 to $6000 average! We could finance it easily with your excellent credit, or just buy it […] The post Who Controls the Money? appeared first on Susan Lager.
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