In this deeply personal and insightful episode of "Retirement Solutions for All Ages," host Ruth challenges the notion that retirement planning ends when you retire. For those already in their golden years, Ruth reveals the new realities of an evolving retirement, from increased longevity and "gray divorce" to the rising costs of in-home care. She shares her own regrets about not traveling more for comfort and stresses the importance of shifting from an accumulation mindset to a spending mindset to truly enjoy your life. Ruth offers a compelling solution: leveraging your home equity with a tool like a reverse mortgage to create liquidity, cover unforeseen costs, or simply fund a more comfortable and celebratory lifestyle, just like her client Gertrude, who used her home equity to create lasting family memories.

Keywords: retirement planning, financial planning, reverse mortgage, home equity, longevity risk, in-home care, spending mindset, retirement age, gray divorce, liquidity, wealth management, financial advice, life expectancy

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