Skills age and employers prefer the young
The last decade of work is the hardest to keep.
4 solutions built for it
Age discrimination law, Reskilling and mid-career training, Consulting and contracting and Phased retirement.
Fifty-five to sixty-five. The arithmetic phase. Work is winding down, children have left, parents need care, and a single question dominates: will the money last as long as the life? Skills age, employers prefer the young, and identity has to be rebuilt around something other than a job title.
11 first-order frictions arise in this phase.
Its neighbourhood
Everything this entry connects to directly. Click any point to follow it.
Winding down
Who are you when the job title goes
Forty years of introduction lines about to expire.
2 solutions built for it
Still working while parents decline and grandchildren arrive
The last years of employment carry the most family obligation.
4 solutions built for it
Geriatric care management, Caregiver leave and employer support, Phased retirement and Concierge, errand, and care-navigation services.
Cooking for two again, with less appetite and new restrictions
Portion sizes, salt, and the habit of the restaurant.
3 solutions built for it
The arithmetic
Will the money last as long as the life
A single equation with two unknowns: spending and lifespan.
5 solutions built for it
Tax-advantaged retirement accounts, Retirement planning services, Annuities, Catch-up retirement contributions and Pension and benefit timing optimisation.
Stop working before public health coverage begins
The years between the last employer plan and the first state plan.
2 solutions built for it
Coverage continuation and individual marketplaces and Retiree health benefits.
Conditions accumulate and specialists multiply
Joints, hearing, heart — each with its own clinic.
4 solutions built for it
Chronic-condition pharmaceuticals, Specialist medicine, Joint replacement surgery and Hearing aids.
Empty nest
The children leave and the house is suddenly wrong
Too many rooms, too much yard, and a purpose that walked out the door.
4 solutions built for it
Downsizing, Age-restricted communities, Leisure travel and cruises and Volunteering.
Want a role in the grandchildren's lives
Belonging to the next generation without responsibility for it.
4 solutions built for it
Grandparents as childcare, Tax-advantaged education savings plans, Family travel and theme parks and Grandparent gifting.
Ageing parents
Parents need care and money you may not have
The decline phase, experienced from the other side.
4 solutions built for it
Elder law attorneys, Long-term care insurance, Home care and home health aides and Assisted living.
Decide what to leave and to whom
The estate is now large enough to fight over.