Saturday, February 04, 2012

Riptide: Excerpt from David Solie’s new book-Part 3

This is the third of three posts from my new book Riptide.

Primary Current Number Two: Internal Forces

While the external currents of the middle age challenge the capacity of boomers to handle complex and unpredictable life events, internal currents usher in an existential house cleaning that questions the purpose and meaning of the second half of life. Ironically, this involuntary reconsideration of the future comes at a time when so much has already been accomplished. But while boomer successes are a testimony to the faithful completion of the first-half life mission, they inadvertently lead to a developmental dilemma about what is to follow.

The mission of the first half of life is the steady pursuit of accomplishments, a long and noble list of all consuming life goals that are intense, quick paced, and well defined. Entering the first half of life stadium, young adults hear the cultural cheer of the rest of society encouraging them to on to greater accomplishments that include:

Growing up and taking their role in adult society
Getting an education as a prelude to a meaningful career
Finding a life partner to create a new family unit
Finding the right career to become successful
Starting a family to usher in the next generation of children and grandchildren
Becoming successful as a means to a secure future

As young adults immerse themselves in the first half of life journey, these goals are repeated at every turn in the questions they hear from family members, colleagues, and society as a whole. Did you get that apartment? Are you going to graduate school? Are things getting serious between you and her? Did you get that promotion? Are you two thinking about starting a family? Are you going to buy that house? The litany of goal-crafted questions offers definition, structure and much needed encouragement. The purpose and direction of the mission is never in question. But surprisingly and with little fanfare, the mission begins to change just at the point when so much has been done.

The second half of life journey does not share the same sociological advantage or clarity as the first half. Entering the second half of life stadium, boomers are surprised at how small the crowd has become and that it is surprisingly silent. Even more concerning is that the laundry list of first half goals has not been replaced by an equally compelling list of second half goals. In fact, goals have been replaced by social encouragements such as “you look good,” “stay healthy,” and “find something you enjoy.”

This surprising and disturbing loss of sociological scaffolding provokes an existential moment where boomers realize they have permanently moved into the “self-service” zone in terms of discovering their second half mission. While it is obvious that one set of goals is not enough for a lifetime, the question becomes what is the second set? Forced into an involuntary, midlife reinvention, boomers are unprepared to easily define the purpose and direction of the rest of their lives. Despite the unprecedented frenzy of modern life, part of them that feels adrift, eerily disconnected from the social agenda that has kept them on course for most of their adult life. Trying to resolve this dilemma is made more difficult by the tangible and unavoidable shadow of a sobering future. The futures of the past for middle age adults have always been multilayered, ten or twenty year segments that cascaded forward and offered ample “staring over” opportunities. The future of today’s boomers is smaller and time constrained, in most cases being played out before them by their aging parents. It is also less forgiving, with little room for error and or starting over. This time compressed future coincides with boomer’s new appreciation of their mortality.

Life and death is nothing new for boomers. Their generation ushered in a revolutionary social commentary on life and death issues that was markedly different from the generations that preceded them. But all the talk of life and death during the boomer’s youth was at an arms length from the humbling reality of middle age, a difference between discussing an illness and actually being diagnosed with it. Boomers are now living their mortality where the loss of parents, siblings, partners, and peers has created a new and sobering awareness of their own vulnerability. It is an experience that replaces the occasional tragedy of past where people were “gone too soon” with the more common occurrence of friends and family members simply passing away. This changes the urgency of the search for a new set of goals. Second half goals turn out not only to be a necessity for crafting a productive and meaningful life; they represent that last opportunity for most boomers to fulfill life long dreams and ambitions. It is a nagging reality that whispers to boomers, “if not now, when?’

The unsettling disorientation of the internal currents defines the second primary developmental task of middle age, which is to “discover purpose and direction for the second half of life.” This was the second hidden current that Linda did not see coming. Not only did her world become unstable, but also her role in this volatile landscape became unclear. It wasn’t a question of shrinking from her responsibilities; it was trying to determine what really mattered at this turning point in her life for the journey ahead.

These two tasks make up the mission of middle age: preserve stability and orchestrate reinvention. To do this boomers have to discover effective strategies to manage the onslaught of external currents while at the same time find purpose and meaning in their lives.

How do boomers navigate these formidable and intimidating currents? Is it simply the luck of the draw, with some having better outcomes than others? Or are there steps that boomers can take prior or during the riptide that can improve the quality of their journey. This is what Linda wanted to know. What needs to change to make things better? Fortunately there are strategies that improve boomer’s chances for a successful crossing. This is what the remainder of Riptide is about. It is about which navigational tools will help boomers successfully complete the mission of middle age and arrive well-prepared and ready for old age.

Navigation tools are designed to keep travelers on course. This is the goal of Riptide: keeping boomers on course. Understanding the currents of middle age is a critical first step, but knowing the developmental risk of middle age is only half the battle. Learning how to successfully navigate them is what determines outcome. Riptide presents boomers with a small but powerful group of navigational tools that are designed to keep them on course in the face of adversity and setbacks. All travelers will have difficult periods and their needs will change with changes in circumstances. The tools presented in Riptide arm boomers with the resources they need to overcome the challenges of aging. There were selected primarily on their ability to increase stability and facilitate reinvention. It not necessary for boomers to use all of them, only the ones that address their current navigational needs. As important, the themes of tools are familiar, topics boomers have heard from other sources as being important to preserving quality of life. What is different about Riptide is these themes have been reframed in terms of developmental utility, a unique approach that makes them “task friendly” and, as important, offers boomers new motivation to integrate them into their lives. It is an emotional reframing that resonates deeply with boomers offering them encouragement and much needed hope for the difficult stretches ahead.


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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 http://www.dsolie.com/articles/reframing.html will take you to an article I authored on “communicating touch choices” that offers a practical strategy for how to do this.

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.