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Why You Should Commit to the Carry-On and Tips for Making it Easy

Why You Should Commit to the Carry-On and Tips for Making it Easy

The world is divided into two different kinds of people: overpackers and underpackers. If you fall into the first category, don’t turn away yet! Give me a few minutes to try and convince you that there is a better way to travel.

As you might already suspect, I am an underpacker. My measure of a packing fail: Coming home with even one thing in my suitcase that I did not need, use or wear during my trip. I do fail sometimes, but not often anymore.

Here’s how to pack lighter – all lessons I learned the hard way.

Start with an Attitude Change

It helps that I don’t really care how I look. I don’t mean I would travel in ripped or dirty clothes. But I don’t need to be the glammed up center of attention. In fact, when you’re traveling, the more you can blend in, the better. You’re less likely to be targeted by pickpockets and local scammers.

Spend a little time researching what the locals wear and try to pack like that. This is the lesson I learned when I wore my electric blue winter coat to Romania, a former Soviet block country where there were two colors of winter coat: grey and black.

So if you simply must be a fashion plate, try to pare down the clothes to a capsule wardrobe of items you can mix and match and pieces that will do double duty.

Use a Packing List

These printable packing lists will give you a feel for the things you’ll need. If the list includes something you don’t think you’ll need, don’t pack it. If there is something missing, make a note on the printed sheet so you don’t forget it.

Check the Weather Forecast

I make this recommendation because I live in Chicago. We like to say, “If you don’t like the weather, wait 10 minutes.” Here, the calendar might say May, but the thermometer might say March. Or July.

So check the forecast for your destination. It will tell you whether to pack a raincoat, sunhat, shorts, or sweaters.

Start Packing Early

If you have a spare bed, room, couch or some other spot to hold the things you want to pack, start a week early and put everything on the bed that you think you might want on your trip.

Then walk away.

Come back the next day and look it over. Is there anything missing? Is there anything you think you might not need on the trip? Make adjustments accordingly.

Then walk away.

Come back the next day with the intention of making choices. If you have two pairs of pants on the bed, take away one pair. If you have four shirts, take away two. And so on, until you have cut in half the things on the bed.

Then walk away.

The next day, it’s time to pack. Start with the pieces of clothing you absolutely MUST have with you.

If you run out of suitcase before you run out of clothes to pack, you get to make a choice: Leave something else behind or pay $40 or more to check a bag.

Buy Packing Cubes

I resisted buying this travel essential for years. Now I can’t believe I ever traveled without them.

Packing cubes are flexible pouches with a brilliant zipper system. You pack them with the clothes you want to take, and zip them shut. Then – this is the brilliant part – you zip a second zipper to compress the insides flat. (Think of it like your expandable suitcase, when you open that second zipper, it gives you an extra inch or two of suitcase space. When you zip it shut, everything inside is compressed.)

As a bonus, the clothes you lay inside the packing cube are much more likely to stay wrinkle free. I don’t know why. But it’s true.

Stick with One Basic Color

When I head to a Caribbean resort, that color will be white. But most of the time, it’s black – black pants, a black skirt, a black dress. Then I add color in the tops I will wear with the pants and skirt. Finally, I pack a few scarves and funky costume jewelry to dress everything up or down and add more color.

Wear the Heavy Stuff on the Plane

There are plenty of TikTokers and travel hacker influencers who will tell you to wear layers and layers on the plane to save suitcase space. Or to pack a pillowcase with your stuff and pretend it’s a pillow, not a suitcase, so it doesn’t count as a carryon.

While that might be useful info for travelers on uber-budget airlines that charge for anything that doesn’t fit under your seat, you really don’t have to go that crazy. Just use a little common sense.

If, for example, you’re flying from Florida to Colorado, you know you’ll need your winter coat, hat, gloves, hiking boots and heavy jeans. Wear the jeans and hiking boots on the plane, stuff the hat and gloves in the coat pockets and carry the coat on the plane rather than packing it in a suitcase.

I do this anyway because I’m always chilly on a plane. I’m always surprised when I see someone boarding a flight in shorts and flip flops. I would be blue by the time I landed!

Think Layers, Not Bulk

Thin layers are always the right answer, no matter where you are. Even a Caribbean vacation requires preparing for chilly evenings or overly air-conditioned restaurants. Layers are the answer to staying warm and packing light.

Make the Best Use of Your Under-Seat Bag

Finally, remember that you get not one, but two things to carry onto the plane – a bag that goes into the overhead and a smaller bag that fits under the seat in front of you.

Don’t waste the space in that second bag!

My go-to is a roomy backpack because I travel with a lot of electronics – laptop, Kindle, phone, ear buds and all of the cords and accessories they require. But those only take up two zippered compartments. That leaves two more compartments for other things – makeup bag, an extra pair of shoes, etc.

The other thing that works for me is a big striped bag that is super flexible. I can cram a lot into it and still stuff it under the seat. The downside of that is it is heavy to carry, unlike my backpack which easily distributes the weight across my shoulders.

Practice, Practice, Practice

I know. This isn’t easy. Especially if you’ve always been an overpacker. But practice will make perfect. Try it on your next quick weekend trip. That will give you a chance to see how it feels to only pack what you’ll need for 2-3 days, how much you like being able to lift that light carry-on bag and how happy you are not worrying about whether your suitcase will show up at the other end of your flight.

Just remember to pack one more thing: a credit card. That way, if you find you truly can’t live without something for a few days, you can head to the store to buy it.

Let’s Have a Conversation:

Are you an overpacker or an underpacker? What’s your favorite packing hack? Share with us in the comment section below.

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Paige DeSorbo’s Cream Zip Up Vest and Mini Shorts

Paige DeSorbo’s Cream Zip Up Vest and Mini Shorts / Summer House Instagram Fashion May 2026

Paige DeSorbo reposted an OOTD video on her Instagram story in a cream zip up vest and matching mini shorts. She takes the stress out of Summer styling with this set! And when it comes to looks that make us look instantly put together, we’re always here for taking a Paige out of this glam giggler’s book.

Best in Blonde,

Amanda


Paige DeSorbo's Cream Zip Up Vest and Mini Shorts

Click Here for Additional Stock in Her Top

Click Here for Additional Stock in Her Shorts

Photo: @paige_desorbo


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Skin Care

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How to Make Your Own Essential Oil Blend for Mature Skin (Recipe)

A Basic Essential Oil Blend for Everyday Mature Skin Care

With all the wonderful natural facial serums on the market today, it can be a little overwhelming choosing the correct formula with safe, non-toxic ingredients, all at a reasonable price. The good news is that it’s easy and fun to make a quality product on your own using the miracle of nature – essential oils. 

When I started working with skincare formulas in 2003, one of the first products I was excited about making was an essential oil-based facial serum. My skin needs were changing, and a moisturizing oil made perfect sense for dry, maturing skin.

I decided to work with four wonderful healthy aging essential oils I had discovered: Lavender, Frankincense, Rose Geranium, and Carrot Seed.

The natural and highly effective nature of essential oils makes them perfect for skincare. When blended for their various properties and used with a carrier oil that matches your skin type, you can create a serum tailor-made for your skin.

What Are Essential Oils?

Essential oils are the essence of plants. Hidden away in many parts of the plant, like the flowers, seeds, and roots, they are very potent chemical compounds. They can give the plant its scent, protect it from harsh conditions, and help with pollination.

The benefits of essential oils on humans are diverse and amazing. Lavender flower oil, for example, contains compounds that help soothe skin irritation and redness, while the scent reduces feelings of anxiety and stress.

The beautiful Rose essential oil is hydrating to the skin and sometimes used to treat scarring, while the scent is known to help lift depression. 

There are many essential oils to choose from for specific skincare needs. I have used a myriad of different combinations but keep coming back to the tried and true blend from my very first serum.

The four essential oils used are the workhorses of skincare for mature skin, as well as being wonderfully uplifting for mind, body, and spirit. 

The Base Oil Blend Formula

Here’s what you’ll need:

Bottle

1 oz. amber dropper bottle. You can find those in pharmacies or online.

Base (Carrier) Oil

As a base, you can use one of the oils below or a combination of several that meet your skin’s needs:

  • Jojoba oil is my base oil of choice. It’s incredible for most skin types: it’s extremely gentle and non-irritating for sensitive skin, moisturizing for dry skin, balancing for oily skin, ideal for combination skin, and offers a barrier of protection from environmental stressors. It also helps skin glow as it delivers deep hydration.
  • Rosehip oil smooths the skin’s texture and calms redness and irritation.
  • Argan oil contains high levels of vitamin E and absorbs thoroughly into the skin leaving little oily residue.
  • Avocado oil is effective at treating age spots and sun damage, as well as helping to soothe inflammatory conditions such as blemishes and eczema.
  • Olive oil is a heavier oil and the perfect choice if your skin needs a mega-dose of hydration. Just be aware that olive oil takes longer to absorb and leaves the skin with an oily feeling. This may be desirable for extremely dry, red, itchy skin.

Essential Oils

  • Lavender essential oil is very versatile and healing. It helps reduce inflammation, kill bacteria, and clear pores. Its scent is also calming and soothing.
  • Frankincense essential oil helps to tone and strengthen mature skin in addition to fighting bacteria and balancing oil production.
  • Rose Geranium essential oil helps tighten the skin by reducing the appearance of fine lines, helps reduce inflammation and fight redness, and offers anti-bacterial benefits to help fight the occasional breakout. The scent is also known to be soothing and balancing.
  • Carrot seed oil is a fantastic essential oil for combination skin. It helps even the skin tone while reducing inflammation and increasing water retention.

The Recipe

Let’s start with a simple recipe:

  • 1 oz. Jojoba oil (or carrier oil of your choice)
  • 10 drops Lavender
  • 10 drops Frankincense
  • 10 drops Rose Geranium
  • 10 drops Carrot seed oil 

Place the essential oil drops in the amber dropper bottle then fill with Jojoba/carrier oil. It’s that simple!

Applying Your Homemade Serum

Use this serum morning and evening as part of your regular skincare routine. Serums work best when applied after cleansing your face. You can cleanse with Coconut Oil or a mixture of oils for enhanced hydration (we will cover this in the next article) or use your regular facial cleanser.

Essential oils will not interfere in any way with your normal skincare products.

Keep in mind that the serum is concentrated. Use only a pea-sized amount, work it into your fingertips, and apply evenly over the face without tugging or pulling.

If your skin feels tacky, reduce the amount on the next application. Your skin should feel soft, not oily. Follow with your regular moisturizer if you like. 

Making your own facial serum is fun and rewarding! I look forward to hearing your thoughts and ideas on essential oils and making personalized serums and skincare.

What facial serum do you use? Have you made one yourself? What is your favorite essential oil for skin care? Please share your thoughts with our community!

Paige DeSorbo’s Cream Zip Up Vest and Mini Shorts

Paige DeSorbo’s Cream Zip Up Vest and Mini Shorts / Summer House Instagram Fashion May 2026

Paige DeSorbo reposted an OOTD video on her Instagram story in a cream zip up vest and matching mini shorts. She takes the stress out of Summer styling with this set! And when it comes to looks that make us look instantly put together, we’re always here for taking a Paige out of this glam giggler’s book.

Best in Blonde,

Amanda


Paige DeSorbo's Cream Zip Up Vest and Mini Shorts

Click Here for Additional Stock in Her Top

Click Here for Additional Stock in Her Shorts

Photo: @paige_desorbo


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Create a Mental Blueprint of Your Dream Lifestyle

When it comes to creating your dream lifestyle after 60, what’s the first thing you do?

If you’re like many people from our generation, you may immediately jump into physical action. This often involves working hard, staying busy, and a lot of multitasking.

From the outside, it may look like you are making progress and accomplishing a lot.

But what if you’re confusing activity with accomplishment?

Most of us were raised and educated through a long-held societal belief that working hard, doing more, and sacrificing our fun until the job is done is how we accomplish our goals and fulfill our dreams.

For a time, that approach may have yielded results. But now, it will do more harm to our well-being and keep us further away from actualizing our dream lifestyle.

Without establishing a clear mental blueprint up front, our well-intentioned physical activity to achieve our desires will likely lead to frustration, burnout, and scattered results. None of which we can afford to experience at this stage of life.

What exactly is a mental blueprint?

And how do you reprogram your subconscious mind, eliminate self-doubt, and align your physical actions with an intentional vision to fulfill your desires for a new lifestyle?

We will answer these questions in our tenth article and video in a new, 12-part exclusive series for Sixty and Me readers titled “Visualize a Vibrant New Lifestyle After 60.”

An Architect’s Plan & Your Dream Lifestyle

To appreciate the value and importance of your mental blueprint, think of it like an architect’s plan. Before a house is built, the structure is carefully designed, visualized, and mapped out.

The same applies to planning your dream lifestyle.

If you are truly committed to having greater fulfillment, purpose, and abundance in your life after 60, creating a mental blueprint is vitally important. It not only helps reprogram your subconscious mind and eliminates self-doubt, but it also aligns your actions with an intentional vision.

Slow Down to Accelerate Progress

Creating a mental blueprint starts with visualizing your desires, but it doesn’t end there.

Physical activity is essential to manifesting your mental blueprint into your daily reality. But the physical effort we take through a mental blueprint is different than how most of us were taught to achieve our desired outcomes.

An effective mental blueprint is aligning your thoughts, emotions, and actions with your highest potential at this stage of life. This is where you take time to visualize your dreams internally and then you actualize them into a new external reality.

The key is to not get caught up in a flurry of physical activity right away, but to get clear on what you desire. This is about slowing downing in order to accelerate your progress.

5 Steps to Create Your Mental Blueprint

Vision Board

Create a vision board by collecting images, words, and symbols that represent your dreams and goals. Use magazines, printouts, or online resources to find visuals that resonate with you. You can arrange and glue them onto a board or you can choose to create a digital vision board using websites, PowerPoint slides, or online apps.

Guided Visualization

To get started, I recommend you go to YouTube, Spotify, or your favorite place for music and search for guided meditations. Type into the search box the guided meditation you want. If you want to attract more love or more abundance you can type in “guided meditations for love” or “guided meditations for abundance”.

  • Once you have a guided meditation, find a space that is quiet and comfortable.
  • Start your guided meditation and be sure to close your eyes.
  • Imagine yourself living your dream lifestyle.
  • Visualize the details, emotions, and sensations of living your desires.
  • Pay attention to how it feels, looks, and sounds.
  • Afterward, journal your experience.

Mind Mapping

A mind map begins with a central dream, which would be your primary desire for your dream lifestyle. Once you have that, create a mind map by branching out related ideas and subgoals.

Gratitude Journaling

Begin by expressing gratitude for the blessings in your life. Journal what you are grateful for, what you’ve already accomplished, and what steps you can take to move closer to your dream lifestyle. From there, reflect on what kind of lifestyle fits you and offer gratitude for that life being fulfilled, even if there is no visible evidence you’re living it right now.

Future Self Journaling

This realigns your present self with the person you are evolving into and is one of my favorite journal techniques. It involves writing a letter from your future self, addressing your current self.

  • To do this, envision yourself as if you have already achieved your dream lifestyle.
  • Provide guidance, encouragement, and advice to your present self.
  • Reflect on the path you took and the lessons learned along the way.

Next Steps

Our next article and video, focuses on “8 Ways Self-Love Creates Your Dream Lifestyle.”

I invite you to join me in the video, where I will share “5 Immediate Benefits” to creating a mental blueprint. I will also guide you through three journal prompts to help you integrate what you are learning.

Let’s Have a Conversation:

What steps are you excited to take in creating your mental blueprint to live your dream lifestyle?

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Why Do We Continue Indulging in Toxic Behaviors and Relationships?

Why Do We Continue Indulging in Things That Disturb Our Psyche

It occurred to me, as I was watching a television program, that I was fussing about the behavior of the characters. I thought to myself, Why am I still watching this show when the characters get on my nerve? Why do I keep watching it? How is it that I haven’t turned it off?

And that’s how this particular reflection came to be.

We Indulge in Toxic Behaviors – And Relationships!

Why do we put ourselves through turmoil when we know it isn’t good for us? Someone said to me, “This happens all the time. People are constantly complaining about stuff on the internet that is bothering them or complaining about something in politics. Why continue to complain and indulge? Just stop indulging in it. Just move forward.”

This is the same concept that we can apply to indulging in toxic relationships. We make all types of excuses to justify why we can’t disengage. Let’s examine this in detail from a Christian perspective.

Disengaging from harmful behavior is a mix of emotional, spiritual, and relational factors. Here are a few reasons:

People Pleasing

Like many people, the fear of conflict keeps many of us from disengaging – fearing the reaction of a difficult person.

Guilt and Responsibility

Individuals may feel responsible for the other person’s happiness or spiritual state.

Hoping for Change

This one is huge. Many people don’t abandon toxic relationships because they actively hope the other person(s) will change, or the situation will change.

Making Excuses

Making an excuse that the other person is in pain and dealing with their own stuff is common.

Why You Should Disengage from Harmful Behavior

Continued engagement in harmful behavior is detrimental to your physical, mental, and spiritual health. Many people confuse helping with enabling. However, they are not the same. Helping supports growth and responsibility. Enabling, on the other hand, protects harmful behavior.

For example, giving money to someone is not always kind, especially if you know it might support addiction or dishonesty. Therefore, biblical wisdom is essential. Scripture teaches love with truth and boundaries. It calls believers to correct with patience, not to ignore sin. When asking what the Bible says about enabling, we see clear guidance. God values accountability. He also values compassion that leads to healing. As a result, believers must seek balance. Healthy love encourages repentance and growth.

What to Do Next to Disengage from Harmful Behavior

Letting go and moving forward is a deliberate process which includes stopping excuses, accepting your role in the situation, forgiving yourself, and removing emotional or physical triggers. Key strategies involve setting boundaries, engaging in new activities, and focusing on positive goals.

Steps to Move Forward to Leave Behind Harmful Behavior

#1: Identify the Problem

Recognize what is pulling you to the toxic behavior or relationship and actively decide to leave it behind. This includes letting go of the need to have the last word or wishing for a different past or outcome.

#2: Forgive and Accept

Stop ruminating on the past and forgive yourself (and others) for past actions. Acknowledge your role, accept it, and stop making excuses. Also keep in mind that forgiving does not mean putting yourself into the toxic relationship again.

#3: Create Physical/Mental Distance

Remove physical items that trigger memories of the harmful behavior or relationship. Change your routine and create new experiences to replace old ones.

#4: Focus on the Future

Rebuild your identity by engaging in new, positive activities and hobbies. Shift your focus to joy, hope, and personal growth.

#5: Plan

Clear boundaries, set a timeline for moving on. Jesus walked away from people on occasion, and he allowed them to walk away from him. Follow his example.

#6: Confronting Sin

The Bible tells us to confront sin. Stand up to bad behavior to protect your peace and joy in love.

#7: Leaving Room for God

Enabling stops someone from reaping what they sow, whereas detachment allows them to face consequences and potentially grow.

#8: Prioritizing Peace

When a situation remains toxic, it is often a sign to move on and trust God.

Jesus taught his disciples, “If anyone will not welcome you or listen to your words, leave that home or town and shake the dust off your feet” (Matthew 10:14). Therefore, like our Lord Jesus, we must learn to walk away so that we won’t be sidetracked from our mission. If a person is getting in the way of who God wants me to be and what he wants me to do, that person is toxic to me and I have permission to walk away.

Last, But Most Important

How do we stay engaged without trying to rescue or fix our loved ones? First, we begin with prayerful self-examination. We start by looking at our own stuff. We can begin by seeking God and asking him to reveal any areas of sin, lack of faith, or selfishness in our lives.

Staying engaged means working on and asking ourselves the hard questions. “What is the Lord teaching me right now? How is He transforming me? Am I learning to let go and trust Him? What sins do I need to confess to receive forgiveness and healing?”

James encourages us to confess our sins to each other. Are you controlling? Are you enabling? Are you manipulating? These are all good things to confess to the Lord and to someone you trust who can offer you godly wisdom and counsel.

Let go of any pride or concern about what people might think of you. We all stumble. We all fall. We all make poor choices.

As you pray, remember that your prayers are powerful and effective. They accomplish big things. By praying you can stay fully engaged in the life of your wayward loved one while disengaging from their drama and your constant need to react. You can let go of what you think is best for them. You can release your need to save and rescue them. You can stop obsessing and start rejoicing as you trust the Lord with their lives.

Finally, Seek Peace

When you come to the Lord in prayer and thanksgiving, he will grant you perfect peace, a peace that will guard your heart and protect your mind. A peace that only comes when we learn to let go and let God fight our battles for us.

Let’s Have a Conversation:

What harmful behaviors do you indulge in? Do you watch the news too often or spend too much time on the social media? Have you ever enabled the bad behaviors of others? What toxic relationships have you found yourself in – and how did you explain them to yourself?

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Tamra Judge’s Grey Striped Zip Up Sweatsuit

Tamra Judge’s Grey Striped Zip Up Sweatsuit / Real Housewives of Orange County Instagram Fashion May 2026

Tamra Judge was sitting pretty in her recent Instagram post in a grey striped zip-up sweatsuit. Matching sets stay trending because they work for any moment, and what I love most is that they can be styled together or separately. So if you want to zip up a new gorg set you can throw on for just about anything, snag this one while it’s fully in stock and on sale.

Best In Blonde,

Amanda


Tamra Judge's Grey Striped Zip Up Sweatsuit

Click Here for Additional Stock in Her Jacket / Here for More Stock / Here for More Stock

Click Here for Additional Stock in Her Pants / Here for More Stock / Here for More Stock

Photo + ID: @tamrajudge


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10 Wonderful Water Workouts for Better Fitness After 50

Fitness-After-50

With the summer months fast approaching, we should think of ways to use the weather – and outdoor pools – to our advantage. Sometimes it’s nice to lounge around in the water when the heat of summer is too much, but it’s also a fun way to get your heart pumping.

Water workouts are great for your body, so take some time this summer to get moving in your favorite pool. They just may be the key to better fitness after 50!

Get Prepared for Your Water Workouts

To get the best workout possible from your pool time, you’ll need more than your favorite swimsuit and some trusted goggles. Some workout tools may cost you some cash, but they’re a necessity if you’re looking to use the pool for a more long-term routine.

Water shoes, water gloves, weights and kickboards can all come in handy. Water shoes provide traction on the pool floor to keep you where you need to be, and water gloves can help you zoom through water. Styrofoam weights or kickboards increase the resistance of your routine.

Design Your Workout

Designing your workout is easier said than done, right? What are your options for working out in the water? As with most exercising, you’ll want to start with a warm-up. Just because your mind is ready to go doesn’t mean your muscles are. Before you get near the pool, take at least five minutes to take a quick walk or do some jumping jacks. The jumping jacks can also be done in the pool, but they must be done in chest-deep water.

Strengthen Those Muscles

If one of your workout goals is to make your muscles stronger, try doing some K-treads in the pool. It’s a fairly simple move – imagine moving your body into a K shape: your arms go out with your hands cupped, while one leg stays down and the other goes straight out. This move targets the back, chest, arms, butt, abs and hamstrings.

Tread water with your arms, switching to extend each leg every five seconds for a total of 30 seconds.

Get That Heart Pumping

Water gloves are a good tool for this next workout. Deep-water walking will get some cardio into your routine while focusing on strengthening your abs. The key to this exercise is to walk into chest-deep water, tighten your abdominal muscles and keep your back straight.

Once in position, walk while swinging your arms. If you need to, place a water noodle between your legs to help you stay above water if you walk into the deep end.

Tone Your Legs with this Water Workout

Because water workouts give excellent resistance, the pool is the perfect place to work on your legs. Once you’re standing in waist-deep water, swing your left leg forward quickly. Pull it back in, then swing it out to the side. Repeat this with both of your legs between 10 and 15 times. You’ll be feeling the burn in no time! Glass of water, anyone?

Remember to Rest

When working out in the pool, it can be easy to forget how far is too far. The buoyancy in water relieves aches and pains in the body, which makes it a great option for a workout, but it also means you have to be careful about knowing your limits.

People of all ages are advised to take to the pool to exercise for a variety of reasons. Exercising can be especially difficult for people with joint pains, but water exercise can help that.

In fact, there is a 19% decrease in pain after using an underwater treadmill instead of a traditional one. Even if you walk in the water without a treadmill, like the exercise mentioned above, you’ll notice an improvement in your ability to move and stretch without pain.

Once you’ve taken a moment to enjoy the benefits of the first half of your workout and get a sip of water, it’s time to get back in the pool!

Make Those Knees Work

Swim out to the part of the pool that’s about waist-deep. Bring your right knee up to a 90-degree angle, then put your foot back down on the floor. Repeat with your left knee. Continue at a faster pace for about two minutes. When performing vertical exercises in the pool, you’ll experience 75% more resistance because of the increased drag on your limbs.

Strengthen Your Arms

Don’t leave the pool without focusing on your arms. Stand in chest-deep water and have your arms flat at your sides with your thumbs facing forward. Lift both arms to the surface, turning the palms to be flat while you move to increase resistance.

Return arms to your sides and repeat at a swift pace for two minutes. There are plenty of other arm workouts to try if this seems too easy, but it’s better to start out with something you know you can do and work your way up from there.

Splash Around to Burn Calories

Next, try doing some butterfly kicks. Put your back against the pool wall and lay your arms along the edge. Lift your legs out and kick at the surface for 10 seconds with a 10-second rest. Doing this move in the water will speed up your heart rate and burn more calories than butterfly kicks on land.

Exercise Your Biceps

If you have Styrofoam weights, this one’s for you. Hold one weight in each hand underwater and curl them up to chest height, bringing them back down to be level with your waist. By adjusting the size of your pool weight, you’ll increase your resistance and isolate specific muscle groups.

Bounce in Place

Try jumping as high as you can out of the water and sinking back down into a squat ten times in a row, and you’ll feel your quads and butt start to work. This Frog Jump exercise doesn’t require you to ribbit, but it will make you sweat.

Finish with Some Knee Tucks

Finally, place your arms over your pool noodle and lift your knees to your chest. After putting your feet back down on the pool floor, repeat this movement for 30 seconds to work your core. Give it three to five rounds, and you’ve gotten a complete workout in!

Once you’ve hit these 10, go towel off and take a shower. You’ve earned it some relaxing pool time and a few rays.

Let’s Have a Conversation:

Do you enjoy doing water workouts – swimming, water aerobics or something else? What workout goals do you have for the summer months? What changes are you making to control your weight and promote healthy aging? Please join the conversation in the comments section.

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Turn Your Savings into Monthly Retirement Income That Lasts

Turn Your Savings into Monthly Retirement Income That Lasts

Here’s something nobody really prepares you for. You work for 30 or 40 years, and every two weeks, money shows up in your account. You know exactly what’s coming. You plan your life around it. Then one day you retire, and that rhythm just… stops. You’re sitting there looking at a number in your 401(k), and the question hits you: How do I actually turn this into reliable retirement income? Month after month? Without lying awake at 2 a.m. wondering if I’m going to run out?

If that sounds familiar, you’ve got company. A 2025 Allianz Life study found that 64% of Americans are more afraid of outliving their savings than dying. Let that sink in. And research from Boston College’s Center for Retirement Research shows that half of retirees feel genuinely uncomfortable watching their portfolio balance go down, even when their spending is completely on track.

But here’s what I want you to know. You can absolutely build yourself a retirement paycheck system. A system that delivers reliable monthly income while giving you the flexibility to actually enjoy your life.

Why Creating Retirement Income Feels So Hard (Especially for Women)

I talk to a lot of people about this transition, and honestly, it’s one of the toughest psychological shifts in all of retirement. Think about it. For decades, every financial message you ever heard was about saving more, spending less, watching that balance climb. Now you need to flip that entire script and give yourself permission to spend the money you worked so hard to save. Research from Age Wave and Merrill Lynch shows it takes about 18 months for most retirees to get comfortable with this.

Eighteen months. That’s a long time to feel anxious about something that should feel like freedom.

Only 46% of women reported feeling confident in their retirement plans in 2025, down from 52% just two years earlier. Among single women, that drops to 32%. Among divorced women, just 34%. Divorced women face particularly unique challenges when planning retirement income strategies.

This is exactly why the retirement paycheck system works so well. It tackles both sides of the problem: the financial math and the emotional comfort of knowing a specific amount is coming every month. Because sometimes just knowing the money will be there is half the battle.

The 3-Step Retirement Income Builder

Step 1: Know Your Monthly Number

Before you can build a paycheck, you need to know what it should be. The average retiree aged 65 to 74 spends about $4,870 per month. But your number is yours. Nobody else’s.

The key here is getting specific with your own situation rather than relying on averages. Tools like ReadyAimRetire can help you model these categories with your actual numbers and see how different spending levels affect your overall plan.

One reassuring thing worth knowing: retirement spending typically follows what researchers call a “spending smile.” You spend more in those active early years (the “go-go” phase, as some planners call it), less in the slower middle years, and more again only if significant healthcare needs pop up late in life. The first five years of retirement are particularly crucial for setting your spending baseline. You won’t need peak spending forever. That’s a relief.

Step 2: Build Your Income Floor

Your income floor is the guaranteed money that arrives every month no matter what the stock market does. This covers your needs, and ideally some of your wants too.

Social Security is the foundation. In 2026, the average monthly benefit is $2,071, but your benefit depends a lot on when you claim. Claiming at 62 means accepting just 70% of your full retirement age benefit. Waiting until 70 pushes it to 124%. That’s roughly a 77% larger check at 70 compared to 62.

Let’s look at a real example. Say your full retirement age benefit is $2,500 per month. If you claim at 62, you’d get $1,750. If you wait until 70, you’d get $3,100. That’s $1,350 more per month for the rest of your life. For women, who statistically live longer, delaying often pays off in a big way.

Pensions, if you have one, add to this floor. So do annuities, which essentially let you create your own pension. Fixed annuity rates from A-rated carriers currently range from about 5.0% to 5.7% for three- to five-year terms, though rates are expected to edge lower through 2026 as interest rate cuts take effect.

Research from the Retirement Income Institute found that retirees with annuitized income spend twice as much as those with equal savings but no guaranteed income stream. It’s not that they have more money. They have more confidence. Confidence changes everything.

Step 3: Fill the Gap with Smart Withdrawal Strategies

Whatever your income floor doesn’t cover, your investment portfolio handles. This is where your retirement withdrawal strategy comes in.

The Bucket Approach

The bucket approach is one of the most intuitive methods I’ve seen. You divide your portfolio into three buckets:

  • Bucket 1 (1-2 years of expenses): Cash and short-term savings. This is your buffer. When markets drop, you draw from here instead of selling investments at a loss.
  • Bucket 2 (3-7 years): Bonds and conservative investments. This refills Bucket 1 over time.
  • Bucket 3 (8+ years): Stocks and growth investments. This has years to recover from downturns and keeps your portfolio growing ahead of inflation.

I like this approach because it gives you a clear answer when markets get rocky. Instead of panicking, you just point to Bucket 1 and say, “I’m fine for the next two years.” That peace of mind is worth a lot. However, sequence of returns risk remains a critical consideration in your early retirement years, regardless of which withdrawal strategy you choose.

Withdrawal Rule

The classic 4% rule says you can pull 4% of your portfolio in year one, then adjust for inflation each year. But here’s something interesting. Bill Bengen, the guy who actually created that rule, now says retirees sticking with 4% are “cheating themselves a little bit.” He recommends 4.7% as the worst-case safe rate, and with a broadly diversified portfolio, he suggests current retirees could go as high as 5.25% to 5.5%. Meanwhile, Morningstar’s latest research sets the safe starting rate at 3.9% for a 30-year horizon with a 90% success probability. Recent research suggests the traditional 4% rule may need updating for current market conditions.

So what does that look like in real dollars? A $500,000 portfolio at 4% generates $1,667 per month before taxes. At $800,000, that’s $2,667. Those are real numbers you can plan around.

The beauty of testing these different withdrawal strategies is that you can see how they perform with your specific portfolio and timeline.

Guardrails Method

The guardrails method adds some nice flexibility. You set an upper and lower boundary around your withdrawal rate. If your portfolio grows and your withdrawal rate drops 20% below your starting rate, you give yourself a 10% raise. Nice. If markets fall and your rate climbs 20% above your starting rate, you cut spending by 10%. This Guyton-Klinger approach allows starting withdrawal rates of 5.2% to 5.6% with over 99% success rates in historical testing. That’s a pretty compelling track record.

The beauty of testing these different withdrawal strategies is that you can see how they perform with your specific portfolio and timeline. Running your own projections at ReadyAimRetire.com lets you compare how the bucket approach, guardrails method, or traditional percentage withdrawals work with your actual numbers and risk tolerance.

The Tax Piece You Can’t Ignore

I know, I know. Nobody wants to talk about taxes. But the order you pull money from different accounts matters more than most people realize. Here’s a general rule of thumb for your withdrawal sequence:

  1. Taxable brokerage accounts first (often taxed at lower capital gains rates)
  2. Tax-deferred accounts (traditional IRA, 401k) next
  3. Roth accounts last (tax-free growth for as long as possible)

Now here’s where it gets interesting. During the years between retirement and claiming Social Security, or before required minimum distributions kick in at age 73 (rising to 75 in 2033 for those born in 1960 or later), you may be in an unusually low tax bracket. That’s prime territory for Roth conversions. You shift money from your traditional IRA to a Roth while paying taxes at a lower rate than you’d pay later. It’s like finding money in the couch cushions, except it’s your future self thanking you.

Many retirees make costly mistakes with their required distributions, so planning your withdrawal strategy well before age 73 can save significant tax dollars down the road.

Your First Move

You don’t need to build this whole system next weekend. Start with one step this week: calculate your monthly number. Grab a cup of coffee, sit down, and write out what you actually spend (or expect to spend) across needs, wants, and wishes. That single number becomes the anchor for every decision that follows.

Then figure out your income floor. Log into your Social Security account at ssa.gov and check your projected benefit at 62, 67, and 70. The gap between your monthly number and your guaranteed income tells you exactly what your portfolio needs to produce.

That gap is not a problem. It’s a solvable equation. And once you can see it clearly, the anxiety starts to lift. You’re not guessing anymore. You’re running a system. One that sends you a paycheck every single month, just like the ones you earned for all those years.

Every retirement plan is different, which is why modeling your specific situation makes such a difference. Start by running your numbers at ReadyAimRetire to see exactly how these strategies work with your timeline, portfolio, and goals.

Only now, the money works for you.

Thanks for reading – you’re doing great!

Let’s Have a Conversation:

What’s your biggest money concern and how are you planning to handle it? What tools are you using to calculate your income and spending habits?

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