Friday, May 18, 2012

Archive for the ‘Boomers’ Category

Sixty is the New Sixty

One of the new mantras of aging in the twenty-first century is the refrain “sixty is the new forty.” Maybe. Good health and an impressive array of lifestyle options certainly make many of today’s sixty year olds look different compared to their parent’s generation. But appearances can be misleading. In their rush to celebrate biological vibrancy, sixty year olds could miss a crucial piece of information about what occurs developmentally on the journey to seventy. Biology is not psychology, and failure to appreciate the difference could leave elders uninformed and ill prepared for their final mission.

Sixty year olds represent an “in between generation,” meaning not quite middle age and not quite old. Developmentally, “in between” is an appropriate characterization of a transition period marked by “agenda crossover.” What do I mean?

Middle age and old age have markedly different developmental agendas. The transition between these age groups is not sudden. It is a crossover process where one agenda ramps off while the other ramps on. From a psychological perspective, knowing where you are coming from is interesting; knowing where you are going is essential. Here is where elders are coming from.

Middle age is dominated by two primary developmental tasks, the “mission” of being fifty-something:

1. Preserve stability in world of increasing personal volatility.

2. Reinvent purpose and direction for the second half of life.

The instability of middle age is well known. It is an involuntary passage into life changing currents that include death in the family, unsettled children, chronic illness, career upheavals, aging parents, and changing partnerships. It is a complex and sobering period that requires super-human effort just to “keep things together.” Truth be told, most of us don’t keep things together, but we do get better at coming to terms with the “physics” of how life operates, negotiating a fragile peace with a vast list of items that remain outside of our control.

The other task of middle age is reinvention in an environment essentially devoid of public goals. This is in sharp contrast to the clear marching orders of the first half of life, a period in which society offer young adults concrete guidelines for their life’s journey. Getting an education, landing a good job, finding the right partner, starting a family, and becoming successful are themes that inundate conversations in the first half of life. As such, they are a public refrain that define and reinforce social goals. And then, almost overnight, this social broadcasting mysteriously ceases. In middle age, public goals give way to private goals, a navigational shift in which life’s purpose and direction becomes like a 401K, self-directed with the increased burden of trying to sort through a long list of confusing and at times conflicting choices.

Despite the demands of the middle age, by sixty most adults have successfully adopted to the tasks. They have found their version of personal stability and made significant headway in defining what they want and where they are going in the second half of life. But beneath this success is a new set of developmental currents that are beginning to surface as middle age recedes. Their arrival over the next ten years will usher in what is arguably the most difficult and magnanimous mission in life. As Bette Davis remarked, “Old age is no place for sissies.”

In my next blog, I will discuss the final mission, what it is, how it surfaces by age seventy, and its profound impact on elders and their families.

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Communicate

No Money: No Comment

I was recently asked what to do about aging parents who had little or no savings but refused to discuss any aspect of their “money issue.” It reminded me that our role as adult children is not necessarily about problem solving; it is about compassionate containment. So many of the issues we feel compelled to “fix” have no clear answers. The best we can do is sort out what to accept from what we can actually change. Here was the advice I offered:

The issue of money, like so many other issues in the last phase of life, is about control. The best way to approach it is to reframe money as means of maintaining control. Lack of money takes away control. This link will take you to an article I authored on “communicating touch choices” that offers a practical strategy for how to do this:http://www.aging.org/i4a/pages/index.cfm?pageid=2103&textonly=1

You may also want to consider three strategies that will help you “hedge” your parent’s financial risk:

1. Buy a long term care policy with a two years home care/two years nursing home benefit. This assumes they will cooperative with the process (i.e. signing the applications and answering questions).

2. Start funding a dedicated “side fund” for expenses that a long term care policy will not cover.

3. If you parents own their home, become familiar with how “reverse mortgages work and when they make sense.

Lastly, you need to began discussions with local area agencies on aging to determine what, if any, community resources can assist your parents if they run out of money.

This is a tough end-game, especially if you parents don’t want to talk about. The article will help you frame your conversations. Be patient but persistent in your discussions about control and your desire to help them maintain it.