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In Episode 7, Lourdes talks about the financial fears that can come with retirement, including rising costs and the concern of outliving your savings.

She looks at where these worries come from and discusses ways to better understand and prepare for the financial decisions that may come with retirement.

RESOURCES 

GLOBAL FINANCIAL LITERACY EXCELLENCE CENTER: https://gflec.org/wp-content/uploads/2021/04/Anxiety-and-Stress-Report-GFLEC-FINRA-FINAL.pdf

LOW-COST OR FREE FINANCIAL CONSULTATIONS: 

• The Financial Planning Association – Free services through their networks of certified financial planners, https://www.financialplanningassociation.org/advocacy/pro-bono-program
• National Association of Personal Financial Advisors – Advisers Give Back | Certified Financial Planners who volunteer and offer free, personalized financial advice,   https://advisersgiveback.org/napfa/
• Free resources for consumers and families, https://www.napfa.org/free-resources-for-consumers
• Savvy Ladies – A nonprofit that provides free financial education and advice to women. They offer access to a network of financial advisors who can help with a variety of topics, from budgeting to investing and retirement planning​, https://www.savvyladies.org/free-financial-helpline/

ELDERCARE LOCATOR: Find your community by entering your zip code or city and state, https://eldercare.acl.gov/Public/Index.aspx.

SOCIAL SECURITY ADMINISTRATION: https://www.ssa.gov/.

GOVERNMENT PROGRAMS: 

• Consumer Financial Protection Bureau: Serves as the official governmental agency offering financial advice on a variety of topics such as student debt, mortgages, and planning for retirement, https://www.consumerfinance.gov/  
• Tax Counseling for the Elderly: The IRS has a separate program for taxpayers age 60 and older that specializes in retirement-related issues unique to seniors, https://www.irs.gov/individuals/tax-counseling-for-the-elderly.

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In Episode 6, Lourdes discusses concerns about memory and cognitive decline that can become more noticeable as we age.

She talks about misconceptions surrounding aging, the effect certain language can have on those fears, and simple ways to stay mentally engaged.

RESOURCES 

• Harvard Health Publishing | Protecting Against Cognitive Decline, https://www.health.harvard.edu/mind-and-mood/protecting-against-cognitive-decline#
• National Center to Reframe Aging, https://www.reframingaging.org/
• National Institute on Aging, 10 Common Misconceptions about Aging, https://www.nia.nih.gov/health/healthy-aging/10-common-misconceptions-about-aging
• National Institute on Aging, 12 Myths About Alzheimer’s Disease, https://www.nia.nih.gov/health/alzheimers-and-dementia/12-myths-about-alzheimers-disease

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In Episode 5, Lourdes looks at the fear and worry that can come with changes in our health as we age.

Through a listener’s story, she talks about what health anxiety can feel like and shares ways to respond when those worries become difficult to manage.

RESOURCES

Steve Maraboli

• Website: https://stevemaraboli.net/
• Instagram: https://www.instagram.com/stevemaraboli

7 Simple Tips to Calm Health Anxieties

• https://drive.google.com/file/d/1S2Q4IPfo0ZDtU9l29okdjCSuJg2C6lMB/view?usp=sharing

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In Episode 4, Lourdes looks at the fear of loneliness and what can happen when we begin to feel cut off from other people.

Through a listener’s story, she talks about companionship and the different ways people can begin rebuilding connection.

RESOURCES 

Pets as Companions

• Human Animal Bond Research Institute, https://habri.org/about/  
• Importance of Animals Tackling Loneliness One Pet at a Time, https://www.campaigntoendloneliness.org/the-importance-of-animals-tackling-loneliness-one-pet-at-a-time/
• Human Animal Interaction, https://www.waltham.com/news-events/human-animal-interaction/pets-loneliness-during-pandemic

Senior Scam Alert

• U.S. Department of Justice’s Senior Scam Alert, https://www.justice.gov/elderjustice/senior-scam-alert.

Support

Eldercare locator, 800-677-1116, https://eldercare.acl.gov/Public/Resources/Federal_Websites.aspx

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In Episode 3, Lourdes discusses a fear many older adults may have: becoming dependent on other people or feeling like a burden to those they love.

She talks about planning ahead, communicating openly, and understanding the options available when more support may be needed.

RESOURCES

California Department of Aging:
https://aging.ca.gov/Programs_and_Services/

Eldercare Locator:
https://eldercare.acl.gov/Public/Resources/LearnMoreAbout/Support_Services.aspx#

DEFINITIONS

Healthcare Directive:
A legal document that states a person's wishes about receiving medical care if that person is no longer able to make medical decisions because of a serious illness or injury.

Power of Attorney:
The Power of Attorney gives power to another person to act as an Agent when the Principal is unable to act for themselves—that power is generally limited to financial matters and that power can be terminated at will.

Living Will:
A written, legal document that spells out medical treatments you would and would not want to be used to keep you alive, as well as your preferences for other medical decisions, such as pain management or organ donation. In determining your wishes, think about your values.

Vulnerable:
A person who is weak and without protection, where may easily be hurt physically or emotionally.

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In Episode 2, Lourdes looks at some of the concerns people may have about getting older, from maintaining independence to dealing with health changes and financial uncertainty.

She talks about acknowledging those fears and taking practical steps to prepare for the issues that concern us most.

RESOURCES

• Institute of Aging, https://www.ioaging.org/
• Season 1, Episode 12, 'New Hobbies and Skills,' https://www.buzzsprout.com/2291141/15035665

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In the first episode of Season 2, Lourdes talks about fear and why it can stop us from speaking up, trying something new, or making decisions we want to make.

She shares her own experience with fear of judgment and introduces Finding Strength in Our Fears, a season devoted to the fears that can become more noticeable as we get older.

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In the final episode of Season One, Lourdes looks back at the subjects and stories explored throughout Echoes of the Past, Visions of Tomorrow.

She shares a personal story, talks about what the season meant to her, and thanks the listeners who contributed stories, questions, and experiences.

The episode also introduces Season Two, Finding Strength in Our Fears.

RESOURCES

• Marisa Peer,  https://marisapeer.com/ | https://www.youtube.com/@MarisaPeer
• Jim Kwik, https://www.jimkwik.com/ | https://www.youtube.com/@JimKwik
• The Four Agreements: A Practical Guide to Personal Freedom (A Toltec Wisdom Book) | by Miguel Ruiz, https://www.miguelruiz.com/the-four-agreements
• It Didn’t Start With You: How Inherited Family Trauma Shapes Who We Are and How to End the Cycle | by Mark Wolynn, https://markwolynn.com/it-didnt-start-with-you/
• Breaking the Habit of Being Yourself: How To Lose Your Mind and Create a New One | by Dr. Joe Dispenza, https://www.amazon.com/Breaking-Habit-Being-Yourself-Dispenza-ebook/dp/B006M7A8JI
• Revolution from Within: A Book of Self-Esteem | by Gloria Steinem, https://www.gloriasteinem.com/
• Elizabeth Valdez, RTT Therapist, https://heartfeltwellnesshypnosis.com/

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 In Episode 15, Lourdes looks at why people from different generations do not always see things the same way.

She talks about how age, upbringing, and life experiences can influence the way we communicate and how spending time with people from other generations can help us understand each other better.

RESOURCES

Generations United improves the lives of children, youth, and older adults.
 https://www.gu.org/home/ig-program-database/

Hidden In Plain Sight: How Intergenerational Relationships Can Transform Our Future | Stanford Center on Longevity
https://longevity.stanford.edu/wp-content/uploads/sites/24/2018/09/Intergenerational-relationships-SCL.pdf

USC Libraries Research Guides
https://libguides.usc.edu/busdem/age#

• The Greatest Generation: 1901 to 1924
• The Silent Generation: 1925 to 1945
• The Baby Boomer Generation: 1946 to 1964
• Generation X: 1965 to 1979
• Millennials: 1980 to 1994
• Generation Z: 1995 to 2012
• Gen Alpha: 2013 to 2025

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In Episode 14, Lourdes talks about forgiveness and the difficulty of letting go of anger and resentment.

Through personal experiences and listener stories, she explains why forgiveness does not mean excusing what happened and discusses ways to begin releasing the resentment we may still carry.

The episode also includes a forgiveness guide and Social Security resources requested by listeners.

RESOURCES 

Forgiveness Guide to Healing
https://drive.google.com/file/d/1JiLniBFZbvp-DGMaTbc6k7vMV7zHSlWF/view?usp=drive_link

Social Security Administration: 

• How Work Affects Your Benefits (10 pages), https://www.ssa.gov/pubs/EN-05-10069.pdf
• Retirement Benefits (24 pages), https://www.ssa.gov/pubs/EN-05-10035.pdf
• When To Start Receiving Retirement Benefits (2 pages), https://www.ssa.gov/pubs/EN-05-10147.pdf
• Retirement Earnings Test Calculator, https://www.ssa.gov/OACT/COLA/RTeffect.html
• Protect Yourself From Scams, https://www.ssa.gov/scam/

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