Here's to a fresh new year. A clean slate ready to be filled with what matters most. May it bring new chances, better habits, and a few surprises you didn't even know you needed. Did you make a resolution list? Or a master "to-do" list of things you want to finish? If you're serious about getting something done, write it down.
In my house there's always a pen and pad on the kitchen counter for quick reminders. Sometimes it's just groceries; other times it's a thought, a spark, an epiphany. And let's be honest: at 70, we all have those "why did I walk into this room?" moments. So... write it down.
With a whole year ahead, now's also a great time to plan your getaways. Do you have a milestone coming up...an anniversary, a birthday, a reunion? Send those "save the date" notes early so people can mark their calendars.
Main point: plan special events and enjoy life. Spend more time with family and friends doing what makes you happy. Steer clear of toxic people and needless drama. As the old saying goes, life is too short.
Wishing you health, wealth, and the kind of happiness that truly matters to you. May this year be full of laughter, love, and adventures. Take care and celebrate the wins.
By David Edge
David Edge is a retirement lifestyle writer and contributor to the ARA monthly newsletter. His articles blend personal stories with practical insights on living well in retirement.
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Easy Eddie's Take
David's advice about writing things down really hits home for me. Most people are surprised when they learn this, but having a clear plan becomes even more important as we get closer to or enter retirement. That "write it down" approach works great for big financial goals too.
Here's what I see working well: if you're planning those special trips David mentions, think about how they fit with your retirement budget. Social Security Administration rules let you work and collect benefits, but there are income limits if you haven't reached full retirement age yet. For 2026, you can earn up to $23,400 without affecting your Social Security benefits if you're under full retirement age. And if you're thinking about those milestone celebrations, remember that Required Minimum Distributions from your 401k and traditional IRA accounts start at age 73, so planning ahead helps you manage the tax impact.
The good news is that a little preparation today makes those adventures much more enjoyable tomorrow.