Читать книгу The New Retirement - Jan Cullinane - Страница 28

Since you're thinking about retirement, it's helpful to know some of the vocabulary. Here are a dozen words/acronyms you “need” to know:

 KIPPERS (kids in parents' pockets eroding retirement savings): Hint – save for your own retirement first. Kids have more time than we do to save for the future.

 SKIER (spending the kids' inheritance): SKIERs plan to spend all their money before they die … travel, have multiple homes, eat out, own luxury vehicles, and so forth.

 Kidults: Offspring between the ages of 18 and 25, often financially and psychologically dependent on their parents. They are caught in the transition between childhood and adulthood, also known as “adultolescence.”

 Splitters: Those who split their time between two (or more) homes. About 15% of adults over 50 own a second home, according to the Research Institute for Housing America.

 FANBY (find a new backyard): People who relocate multiple times, perhaps moving to a resort style area, then closer to children/grandchildren, then to an active adult community, and then a CCRC (continuing care retirement community).

 Freemales: Women who choose to be single (remove “spinster,” “old maid,” and “crazy cat-lady” from your vocabulary now).

 Wusband: Self-explanatory.

 Gray Divorce: Divorce among those 50 and older. The divorce rate in this age group has doubled over the past decade, and now makes up 25% of all uncouplings, according to Susan Brown, professor of sociology at Bowling Green State University. You may recall that Bill and Melinda Gates put out this statement after 27 years of marriage: “We no longer believe we can grow together as a couple in this next phase of our lives.” Two-thirds of gray divorces are initiated by women. Most common reasons for divorce from a survey of almost 2,400 recently divorced couples: falling out of love by one or both spouses (the most common reason); issues communicating (a close second); lack of caring, trust, or respect; a desire to move in a different direction because they had grown apart. For many, “'til death do us part” is no longer valid when life is long … and life is short.

 Returnment: Going back to work after leaving a primary career.

 Jhobby: Turning a hobby into a paycheck.

 LATs (living apart together): Couples in committed relationships who maintain separate residences. Kevin R., for example, had a number of corporate transfers that required him to live in several different states throughout his career, but his wife, Caroline, a nurse, remained in their home in Michigan until Kevin retired.

 LTAs (living together apart): No longer a couple, but remaining in the same household because of finances, children, or the perception of social stigma.