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From housing to healthcare, Berg helps you embrace your aging and offers an exciting image of longevity that will leave you inspired to lead the life you love. Filled with in-depth insights and practical advice, How Not to Go Broke at 102! carefully looks at the reality behind long-term care, integrating finances, intergenerational planning, housing, work, and healthcare, and reveals newly instituted programs designed to help you navigate the evolving world of longevity planning. In this age of longevity, where all stages of life will be longer, you will have time to create dreams, realize them, and make new ones. With How Not to Go Broke at 102! as your guide, you'll be prepared to take on longevity planning for your family, home, health, money, and work. You'll also feel more confident as you greet each day with a purpose and a plan.
The first fellow to say that life is a marathon, not a sprint, didn't know the half of it. As we look forward to the real possibility of living past 100, it's time to admit that life is long and we need to plan for it. As I write this book, a multitude of faces pass before me. Sometimes I'm writing to an Asian American woman about 65 years old. She has just sold the family store and is wondering if she should consider the Malaysian second home program for her retirement. Sometimes I'm writing to a 30-year-old man in middle management who is wondering whether he and his wife can wait another 10 years to have their first child. Other times I see an African-American couple doing well in their careers, wondering whether to retire early. Most often I see my friends, the centerpiece of today's longevity mega trend, the baby boomer, age 55 or so, looking under 40 and feeling like 14 or 90 depending on their mood.
It was Eubie Blake who said, "If I knew I was going to live this long I would have taken better care of myself." That's the pitch of this book. You will live long. Take better care of yourself spiritually, physically, and financially. All three are so interrelated that we cannot separate our money decisions from our life fulfillment, from where we plan to live or the healthcare weinsure for our families and ourselves. Ultimately, this book is neither about aging nor money, but about self-reliance, independence, dream fulfillment, and above all, social and personal relevance during the decades ahead.
Money does count for happiness, health, and fulfillment. But it also causes unhappiness, want, and health-robbing stress. My life has been the test case, the lightning rod for all the financial woes and triumphs that average folks can experience. Consider me the crash dummy of personal finance. I have watched my own health and happiness rise and decline over my financial status. I have shared the financial journeys of hundreds of clients, radio listeners, readers, and seminar attendees. This book comes from our collective fears, worries, triumphs, and dreams. This is more my credential than my law degree, my financial background, or my research training.
We are all pioneers in longevity. Longevity gives us the time to really learn from our past mistakes and carve out an incredible future. In 1900, the average life expectancy was 47 years old. Imagine how different your thinking, decisions, and basic emotions would be if you anticipated dying before 50. The image of living past 100 has an equally powerful effect on your psyche. Although we consciously start thinking about our "end game" somewhere in middle age, longevity informs our decisions almost from the moment we are born. We decide to postpone or interrupt college, take several jobs, try out a career and sometimes try out marriages, postpone childbearing, get into debt and get back on our feet, delay spending, and invest more. Because, instinctively we know we are making history.
Excerpted from How Not to Go Broke at 102! by Adriane G. Berg Excerpted by permission.
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