Thursday, March 12, 2026

Who are you going to be in this moment?

 As seniors, we have lived through more seasons than we can count. We have seen the world through war and peace, through depression and prosperity. I, like you went through times when the newspaper landed on the porch with news that made my father sigh, and times when it brought stories that made my mother cry with joy. And here I am, still here, still watching, still wondering.

And I must tell you honestly that these past few years have tested me. The constant churn of negativity, the anger that seems to echo from every screen, the sense that the world I helped build is somehow crumbling or worse, was never any good to begin with. It weighs on me. It settles in my bones like a damp chill.

But here is what eighty years of living has taught me. Living itself means nothing if we don’t question. Our whole act of being is a response, a way of being responsible toward life.

Let me say that again because it took me most of these years to truly understand it. We are not here to simply exist, to eat and sleep and pass the hours until we are gone. We are here because we ask question and are asked questions. Every morning the sun rises and asks us, "What will you do with this day?" Every headline shouts a question at us, "How will you respond to this?" Every person who crosses our path, whether they are rude or kind, is asking us, "Who are you going to be in this moment?"

And here is the beautiful, liberating truth. We get to choose the answer.

When I was a young man, I thought life was about accumulating. A good job, a nice car, a house with a lawn, a retirement fund. And those things are fine. They are comfortable. But they are not the answer. They are just the furniture we arrange while we are figuring out what to say.

The answer, the only answer that has ever mattered, is how we show up for one another.

I watch the news some days and I want to turn it off. The world seems so angry, so divided, so certain that everyone on the other side is the enemy. And I understand why people my age pull back, close the curtains, and wait for it all to pass. But I have come to believe that is the wrong response.

If living is about asking and answering questions, then withdrawing is refusing to answer. And I believe seniors have too much wisdom, too much experience, too much living behind us to stay silent now.

Do you remember what it was like before all of this? Before the Internet taught us to fear one another? I remember a time when we knew our neighbors by name, when we left our doors unlocked, when a stranger on the street was met with a nod and a hello, not suspicion. That world is not gone. It is just hiding. And we are the ones who can call it back.

Not through grand gestures. Not through protests or speeches or social media posts that disappear in an hour. But through the small, stubborn act of being responsible toward life exactly where we stand.

I have a neighbor, younger fellow, probably 50, works too hard, always in a hurry. For months he would walk past my house with his head down, earbuds in, lost in his own world. And one day I decided that his indifference was a question. "Are you going to let me disappear into my screen?" it asked. "Or are you going to remind me that I am human?"

So, I started waving. Just a simple wave from the porch. The first few times, he didn't even see me. Then he started glancing up, surprised. Then he started nodding. Then, one day, he took out the earbuds and said, "Beautiful day, isn't it?"

That is responsibility toward life. That is answering the question.

We worry so much about the state of the world, about politics, about the economy, about whether the young people are going to be okay. And those are real concerns. I am not suggesting we ignore them. But I am suggesting that we cannot fix them from a distance. We can only fix what is right in front of us.

The checkout clerk who looks exhausted. The grandchild who needs to hear a story about when you were young. The friend who lost a spouse and doesn't know how to fill the silence. These are the places where the question meets us. These are the moments where we get to answer.

And here is the hope. When you answer in those small ways, when you choose kindness over complaint, presence over withdrawal, hope over despair, something shifts. Not in the world, not all at once, but in you. And a changed person changes the people around them. And changed people change the world. It is slow. It is almost invisible. But it is the only way it has ever worked.

I think about the darkness I have lived through. The Cuban Missile Crisis when we truly believed the world might end. The assassinations. The riots. The wars that sent boys over and brought them back different. The fear of disease before we understood it. And through all of it, what carried us was not politics or policies or promises from people on television. What carried us was one another.

It was the neighbor who brought soup when you were sick. It was the friend who sat with you when you couldn't stop crying. It was the stranger who smiled at you on the worst day of your life and reminded you that you were still here, still breathing, still part of something.

That is what it means to be responsible toward life. Not to fix everything, but to tend to what is yours to tend. To answer the question that each day asks you with the only thing you truly have to give, which is yourself.

If you are feeling the weight of the negativity, if the world seems too loud and too angry and too far gone, I understand. I feel it too. But I want to offer you something I have learned in my 80 years.

The darkness is loud. It always has been. But the light is persistent. And persistence wins.

You do not have to solve everything. You do not have to argue with everyone. You do not have to carry the weight of the whole world on your shoulders. You just have to answer the question that is right in front of you today.

Maybe that question is, "Will you call your sister who is lonely?"
Maybe it is, "Will you smile at the teenager who looks lost?"
Maybe it is simply, "Will you get out of bed and put your feet on the floor and decide that today, in this small corner of the world, you are going to be kind?"

That is enough. That has always been enough.

We are being questioned, every one of us, every single day. And the beauty of being 75, 80, 85 and older is that we have spent a lifetime learning how to answer and to ask our own questions. We have the wisdom they cannot teach in schools. We have the perspective that only comes from watching seasons change and people come and go and the world keep turning.

Let us use it. Let us be responsible toward life, not by fixing everything, but by loving what is ours to love. By tending what is ours to tend. By answering the question with the only thing that has ever mattered, which is a heart that refuses to stop hoping.

The world needs us. Not our worry, not our fear, not our resignation. It needs our hope. It needs our stubborn, hard-won, seventy-years-in-the-making belief that morning always comes, that people are basically good, that love is stronger than fear.

That is our answer. Let us give it generously.

 

Wednesday, March 11, 2026

Yes to Life

As the years go by, many of us are noticing a quiet, sobering truth: more and more of our friends are passing away. It’s a fact of life that I, and so many of you, are slowly getting used to. Yet, within this undeniable reality lies a profound and powerful secret. The very fact that we are mortal, that our time here is finite, our possibilities limited, our days numbered, is precisely what gives our lives meaning. It is the background against which our existence becomes a responsibility. It compels us to act, to seize a possibility and make it real, to occupy our time with purpose and passion. Death is not an end to fear, but a call to live fully.

Everything depends on the individual human being, no matter how small our circle of like-minded friends may seem. It rests on each of us to creatively make the meaning of life real through action, not just words, in our own being. We are not here to simply sit back and let things happen. We are here to question, to learn, and to make ourselves useful, to our families, our friends, and our community. Life is for champions, heroes, and lovers. And we are here because we prevailed. We won an ancient race over fear, doubt, and uncertainty, and we did so in realms long forgotten. We saw clearly. We remained strong in spirit, deep in character, and quick to fall in love. Because of these extraordinary qualities, anything we can now imagine, we have already earned the right to pursue.

It is easy to think that the little things we experience alone, the arrival of spring, the flutter of a sparrow, the delicate dance of a dragonfly, are just random moments. But they are not by chance. They are gifts, whispers from the world inviting us to pay attention. The song of a bird, the beauty of a lily, the warmth of a shared laugh, these are the textures of a life fully lived. They remind us that we are still here, still capable of wonder, still able to connect.

As we age, we may find ourselves haunted by questions. It is not only the young who wonder; we do too. Questions like, “What can I expect from life?” or “What does life still expect from me?” or “What task is still waiting for me?” may linger in our minds. But here is a shift in perspective: perhaps we have been asking the question the wrong way. The true question of meaning is not one we ask of life; it is life that asks the questions of us. Every day, life directs its inquiries toward us through the people we meet, the challenges we face, and the opportunities we encounter. Living itself means nothing other than being questioned. Our whole act of being is a response, a way of being responsible toward life.

With this mindset, nothing can truly scare us anymore, not the future, and not even the apparent lack of one. Because now, the present becomes everything. It holds the eternally new question of life for us, waiting to be answered. Each morning brings a fresh opportunity to respond with courage, curiosity, and care.

So, what does this mean for us today? It means we are not done. We are not finished. There is still work to do, still love to give, still wisdom to share. Whether it is volunteering for a local program, mentoring a younger person, joining a  seminar program like our Tuesday Talk, or simply being a listening ear for a neighbor, we have a role to play. We are contributors, not spectators. We are builders of community, keepers of stories, and champions of connection.

At our upcoming events, we are creating spaces for exactly this kind of engagement. Play Bingo and share a laugh with old friends and new. Join a bus excursion and rediscover the joy of adventure. Attend a seminar and let your curiosity lead the way. Bring your ideas, your questions, and your energy. Let us show one another, and ourselves, that aging is not about stepping back, but about stepping forward with purpose.

Life is asking something of you. The only question is: how will you answer?

Tuesday, March 10, 2026

Seniors and Technology: Dispelling the Myth

 Several years ago, I delivered a workshop on Technology and Seniors to a group of older adults in North Vancouver. In the audience were Grade 6 and 7 students participating in an intergenerational project.

I began with a simple statement: Seniors can learn just as effectively as young people.

It may take us longer, but we can learn, and we do.

I noticed a few surprised expressions from the students. That reaction is exactly why this conversation still matters.

The collective body of research continues to show that creativity, neuroplasticity, and learning have lifelong potential. Studies have demonstrated that older adults who engage in productive learning, especially learning new, challenging skills, show improvements in memory and cognitive function compared to those who engage only in passive or non-demanding activities.

Learning does not stop at 65.The myth that seniors do not use technology simply does not match reality.

As of recent Canadian and North American data:

  • Roughly 80–85% of adults aged 65–74 use the internet
  • Adoption continues to grow in the 75+ age group
  • Smartphones and tablets are now the primary access points

Older adults use:

  • Desktop computers
  • Laptops
  • Smartphones
  • Touchscreen tablets (such as iPads)

Touchscreen tablets remain especially popular because they are intuitive, portable, and relatively affordable. With a tap or swipe, users can:

  • Browse the web
  • Video chat with family
  • Send emails
  • Manage photos
  • Access banking
  • Attend virtual events
  • Take courses
  • Play cognitive games

Technology has become more user-friendly, and seniors have become more tech-confident.

Health information continues to be one of the most commonly researched topics among older adults online.

However, not all online information is reliable.

I always remind people:

  • Be cautious about what you read on social media.
  • Be critical of miracle cures or sensational headlines.
  • Check credible sources.
  • Always consult a healthcare professional before making health decisions, including beginning new physical activity programs.

Digital literacy is not just about using devices — it is about evaluating information wisely.

One of the greatest opportunities technologies provides is access to lifelong learning. Here are updated platforms that are active and widely used today:

Khan Academy

A nonprofit organization offering free courses in math, science, computing, history, economics, and more. While often associated with school-age learners, many adults use Khan Academy to refresh skills or learn something new.

Cost: Free

Coursera

Partners with universities and organizations worldwide to offer online courses. Many courses can be audited for free, with optional paid certificates available.

Subjects range from psychology to artificial intelligence to art history.

Cost: Free to audit; fees for certificates.

Stanford University (Online Learning)

Stanford now offers online learning through Stanford Online and Continuing Studies. Courses are available in a wide range of subjects.

(Some older references to iTunes U are no longer current, as Apple discontinued iTunes U in 2021.)

YouTube

YouTube has evolved into one of the world’s largest informal learning platforms.

You can find:

  • University lectures
  • Language lessons
  • Technology tutorials
  • “How-to” videos (everything from hanging a picture to using Zoom)

Many universities and experts maintain educational channels.

Cost: Free (ad-supported)

Senior Planet

A nonprofit organization offering free technology training for older adults, including live online classes on digital skills, financial security, creative arts, and wellness.

Senior Planet has become one of the leading organizations dedicated specifically to older adult digital literacy.

Cost: Free

OpenLearn

Operated by The Open University (UK), OpenLearn offers free access to a wide range of short courses and learning materials at introductory and intermediate levels.

Cost: Free

(Note: The former Open Education Consortium is now known as Open Education Global, which continues to support open educational resources worldwide.)

Digital Learning: Mind and Brain Games

Many seniors enjoy brain-training apps. While research shows mixed results regarding long-term cognitive improvement, these programs can be enjoyable and mentally stimulating.

Elevate

Offers 40+ games focused on:

  • Vocabulary
  • Reading
  • Writing
  • Math
  • Processing speed

Available on iOS and Android. Free with optional premium subscription.

Mind Games

Provides a variety of browser-based brain exercises targeting attention, flexibility, and arithmetic skills.

Free basic access; optional paid features.

Dakim BrainFitness

Designed particularly for older adults. Often used in senior living communities. Subscription-based.

PThis reflects an important truth about technology:
Platforms evolve. Some disappear. New ones emerge. Seniors adapt — just like everyone else.

Seniors are:

  • Taking online university courses
  • Video chatting with grandchildren
  • Managing investments online
  • Streaming movies
  • Writing blogs
  • Using health portals
  • Learning languages
  • Joining virtual fitness classes

The issue is not ability.
The issue is access, support, and opportunity.

Given time, encouragement, and practical instruction, older adults learn effectively and confidently.

Technology is not a “young person’s world.
It is a human world.

And we are fully capable of participating in it, at any age.

 

Monday, March 9, 2026

The retirement question most people ask backwards

 There is one question I hear all the time, and every time I hear it, it makes me slightly shudder. Not because it is a bad question, but because the people asking it are usually looking for the wrong kind of answer.

The question is: "How much money is enough to retire?"

It sounds reasonable. It sounds responsible. But most people don’t realize that the answer they’re hoping for, a single, magic number, isn’t actually very helpful. It creates anxiety. It invites guesswork. And it treats your retirement savings like a finish line, rather than what they really are: an engine.

A better question is this: What does your retirement income look like in layers, and which of those layers do you need to fund from your own savings?

I think we all intuitively understand the idea of layers. Your retirement income isn’t one big pile of money; it is a stack of building blocks. Let’s look at them from the ground up:

  • Layer 1: Government Programs. This includes the Canada Pension Plan (CPP) and Old Age Security (OAS). These are your foundation, income that arrives whether you save a dime or not.
  • Layer 2: Workplace Pensions. For some, this includes company-sponsored pension plans (defined benefit or defined contribution).
  • Layer 3: Registered Savings. This layer includes your Registered Retirement Savings Plans (RRSPs) and Tax-Free Savings Accounts (TFSAs).
  • Layer 4: Personal Savings & Assets. This is the money you have saved outside of registered accounts, plus assets like a paid-off home that could be downsized to free up funds.

When you see retirement this way, the question shifts. You stop asking, "How big does my single pile of savings need to be?", blindly hoping you’ll like the answer, and instead you ask, "How much income do I need each year, and which layers are going to provide it?"

Most of us will have a mix of income sources in retirement. The common mistake is looking at each layer in isolation, rather than seeing how they stack together to form your total retirement income.

Let’s look at how the math works for a typical Canadian.

The Government Foundation (Layers 1 & 2)
For most retirees, the first layer, CPP and OAS, will provide a base of income. Here is the current breakdown:

  • Canada Pension Plan (CPP): The CPP is designed to replace about 25% of your average lifetime earnings, up to a maximum limit. It is based on what you contributed during your working years, not your final salary.
  • Old Age Security (OAS): OAS is a monthly payment available to most Canadians 65 and older, regardless of work history (though it is subject to a claw back at higher income levels).

When you combine these two government programs, they typically replace between 30% and 40% of your pre-retirement income for the average earner.

Financial experts often suggest that to maintain a similar lifestyle in retirement, you should aim to replace about 70% of your working income. Some years you might need more; some years less. But 70% is a solid target.

If the government layers are providing 30–40%, that leaves a gap of roughly 30–40% of your working income that needs to come from your own savings, workplace pensions, or other assets.

That gap is where the magic happens.

This is where the concept of growth becomes critical, and why reviewing your savings early matters so much.

Money you save doesn't just sit there. It grows. Through the power of compound growth, your savings earn returns, and those returns earn returns of their own. Over time, this effect turns small, regular contributions into substantial income streams.

Consider this: If you have $100,000 saved at age 55 and you leave it invested earning a modest average annual return of 5%, by the time you turn 65, that money could grow to nearly $163,000, without you adding another penny. That is the magic of compounding.

But compounding needs time to work. The sooner you review your savings; the more time you give your money to multiply. Waiting until the year you retire means you lose those precious years of growth.

For many people approaching retirement, there is another layer worth considering: part-time work. I worked part-time for the first 15 years of my retirement, and then I stopped.

Work does not need to be full-time, and not forever. But even a small amount of income in the early years of retirement can make a massive difference to your long-term security. I  worked part-time for fifteen years and earned a lot of money. This was money I did not to withdraw from my savings. My investments stay intact. They kept compounding. They kept growing.

By the time I stopped working entirely, that money had several extra years (15) to grow, giving me a larger cushion for the years when you need it most. I worked for a number of reasons, one of which is I did not start saving for retirement until I was 50 years old.

So, let's bring it all together. The question you should be asking isn't, "How much do I need to save?"

It's this: "How much income will I have from CPP, OAS, and any workplace pensions, and how much of the gap do I need my savings to fill?"

Once you know that gap, you can look at your savings and ask the next logical question: "Based on what I have saved today, and assuming it continues to grow over the next 5, 10, or 20 years, how much income will it generate?"

That is a question you can answer. That is a plan you can build.

If you are approaching retirement, I urge you: do not wait to have this conversation with yourself.

It is easy to avoid the numbers because they feel overwhelming. It is easy to tell yourself you will look at it next year. But every year you wait is a year of compound growth you leave on the table.

You don't need to have all the answers today. You just need to start asking the right questions. Look at your layers. Understand your gap. And give your savings the time they need to grow into the retirement income you deserve.

The chaos around us may be loud, but your financial future doesn't have to be chaotic. It just needs a plan. And the best time to start that plan was twenty years ago. The second-best time is today.