Month: February 2025

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So now you’re retired: Kids are out of the house. Alarm clocks are quiet. Schedule is free. You might be walking around your home thinking, “Gosh, we have a lot of space.”

Retirement is a new chapter in life, and many see it as a chance to try something different and exciting.

These days, some retirees decide to move out of their hometown and try a new destination. Others decide to downsize to free up money and space as they enter this new era.

Downsizing after retirement is a big change. Owning a home has been hardwired into the American dream, but home ownership without a predictable stream of income can become very expensive and overwhelming.

To optimize your retirement years, you might consider downsizing into a smaller home or apartment to minimize costs and increase quality of life. Retirement communities open up a totally new living experience that automates all aspects of home maintenance and provide a way to meet new friends.

Deciding about your preferred type of home for retirement depends on non-financial needs as well. Talk to your partner and have a clear goal of what type of life you want before deciding on the style of home you’ll downsize into. All the while you should make sure that your emotional needs are also being met.

Downsizing After Retirement: How to Start

Estimate your cash-flow needs, and set a budget for renting vs. home ownership, net of taxes, etc. Compare relative costs of home prices vs. monthly rents vs. retirement community fees.

Compare costs of current home maintenance, property taxes, insurance and HOA fees. Consider where you want to live: Same city? Closer to grandkids? Somewhere warm?

Home, Apartment or Retirement Community

Do you want to keep up with a house and all its needs? Or do you prefer the convenience turn-key appeal of an apartment complex or retirement community? How close do you want to be to family? Are you planning on traveling often? Here are some perks for each living situation:

House

• unlimited storage space
• private yard
• free to expand, build pool, etc.
• won’t be pushed out unexpectedly by landlord
• pets allowed

Apartment

• lock up and go
• peace of mind regarding security 24/7
• usually amenities on-site (gym, sauna, etc.)
• no long-term commitment (1- to 2-year rental agreements)

Retirement Community

• lock up and go
• peace of mind regarding security 24/7
• community of like-minded individuals
• usually health care, lifestyle services, amenities, recreation and entertainment available

Downsizing After Retirement Dilemma: Buy or Rent?

When it comes to renting vs. buying, first decide whether you view your next home as a potential investment opportunity or just another cost of living. Setting realistic goals to appropriately plan for your retirement housing costs will help you decide whether you buy or rent.

Buy

Buying will give you a long-term mortgage with full control of improvements, maintenance, repairs, renovations. You will be financially responsible for insurance, taxes, maintenance, utilities, landscaping, cleaning, repairs and so on. This is definitely a long-term commitment.

Rent

Renting offers low maintenance costs where monthly expenses remain predictable. The landlord is responsible for repairs, maintenance and taxes, and it is a short-term commitment.

Downsizing 101

When the moving process begins, break all possessions down into categories. These are keep, sell/giveaway and discard. Don’t make the mistake of giving away essentials: cleaning products, shower curtains and towels you’ll need on day 1.

Study the floor plan of your new home to evaluate the amount of furniture and items that fit in each room. Take the time to choose the most functional and special pieces you will still utilize.

Let’s Have a Conversation:

Are you planning to move to a new living situation once you have retired? Have you considered living in a retirement community? Have you decided to downsize in retirement? Do you think that downsizing after retirement is a good idea? Please share your thoughts and experiences below!

They keep things private.

“I know exactly what to do, I just need to make myself do it.”

Kerry repeated the line stated by capable women everywhere. She was a growth-minded woman who had achieved a lot in life, and yet making healthy eating choices often felt shamefully out of reach.

Why Women Over 60 Struggle to Make Healthy Eating Choices

The reason women over 60 struggle to make healthy eating choices is because the solution to “fixing” eating sets you up for failure.

Attempts to eat less, eliminate “bad” foods and tightly control what goes in your mouth are the hallmarks of All or Nothing Dieting.

The term all or nothing here is pointing out that you are either “on” the diet when eating “correctly” or “off” the diet (and failing) all other times.

How All or Nothing Dieting Has Failed You

While dieting is the go-to solution for out of control eating, it’s actually working against you. Depending on the research you’re looking at, it’s typical for 80-95% of people to gain weight back (or more!), or for most people to gain all but 2 pounds back after dieting.

Besides weight gain, All or Nothing Dieting works against healthy eating in two other notable ways:

The Forbidden Fruit Phenomenon

Restricting food often leads to more cravings for that food. While it can feel like a rebellious preschooler has overtaken your body, this is a biological process.

The neurotransmitter dopamine, which is responsible for motivation and feelings of pleasure and reward, increases when foods are “off-limits.” Thus, increasing your motivation (ahem… cravings) to eat that food.

Women often tell me after eating forbidden foods they then spend their mental energy beating themselves up and feeling like a failure, which can create more difficult feelings that you then use food to numb (and thus emotionally eat).

Dieting Disconnects You from Your Own Body

Perhaps more perilous than a slowed metabolism and chocolate cravings is the way All or Nothing Dieting disconnects you from your own body.

You learn to look outside yourself at calorie counters, scales and step counters to see if you are full, hungry, or doing a good job. One woman recently confided to me that she is unable to tell the difference between physical hunger and wanting to eat so she can zone out.

When you are disconnected from your body, you can’t trust yourself around food because:

• You can’t tell if you are actually hungry.
• You don’t know what will satisfy physical and emotional hunger.
• External validation from food logs and the scale keep you feeling like a failure.

The Alternative to Dieting for Women Over 60 Who Want to Eat Better

So we can all agree that All or Nothing Dieting does not work. Does that mean there is no hope to learn to eat well so you can feel good in your body? Of course not!

What to Do Instead of Dieting: Cultivate the Courage to Trust

The good news is, you can learn to trust yourself around food again (or for the first time!), even after decades of dieting.

Once you develop the Courage to Trust – and make no mistake it takes courage to unlearn what you’ve been taught about food and how eating impacts your view of yourself – you can finally experience:

• Trusting yourself to make healthy choices without needing outside “accountability.”
• Caring for your emotions and body without using food to numb discomfort.
• Acceptance of your body the way it is, even if you want to lose weight.
• No more “analysis paralysis” but instead being able to tell what solutions are right for your health, weight and body.

4 Steps to Develop the Courage to Trust Yourself Around Food

Before you can trust yourself around food, you have to heal the impacts of All or Nothing Dieting.

Using my Courage to Trust Framework you can create a supportive relationship with food, your body, and your health so that you eat with joy instead of eating to seek joy. If you’d like a step-by-step roadmap to achieve healthier eating, you can download it here.

Boost Metabolism

Dieting, aging, and menopause all conspire to slow down metabolism and make it easier to gain weight in your 60s. Boosting your metabolism by making sure you’re eating enough food and moving your body are important to trusting yourself around food.

The best tip I can give you to boost your metabolism is to eat regularly, starting with breakfast. The great advice to only eat when you are hungry only applies to people who have working metabolisms and a healthy relationship with food.

Calm Your Nervous System

Stress, inflammation, trauma history and a whole host of other stressors can cause food cravings and make it difficult to connect to what your body needs.

Working to reduce stressors in your life and increase your resilience to stress can have a big impact on eating. Which brings me to my next point…

Self-Compassion

Being kind to yourself can make you more resilient to stress and difficult emotions so you don’t need food to cope. It can also help you unlearn the destructive mindsets picked up from All or Nothing Dieting because you can start to recognize the partial wins and gain momentum from there.

Connect with Yourself

Checking in with yourself about how you feel and whether what you ate satisfied you is imperative to having a trusting relationship with your body. If you aren’t used to listening to your body or you have been dieting for decades, listening to your body may not be as straightforward as it sounds.

And that’s OK, do it anyway. Having a supporting relationship with your body will allow you to make the healthy eating choices that keep you feeling good.

Let’s Have a Conversation:

How many times have you said, “I know how to lose weight; I just have to do it”? What does it really take you to lose weight? Have you tried loving your body?