{"id":24189,"date":"2025-10-15T14:04:30","date_gmt":"2025-10-15T20:04:30","guid":{"rendered":"https:\/\/uwyoextension.org\/uwnutrition\/?p=24189"},"modified":"2025-10-15T15:10:22","modified_gmt":"2025-10-15T21:10:22","slug":"age-retirement-planning-beyond-the-calendar","status":"publish","type":"post","link":"https:\/\/uwyoextension.org\/uwnutrition\/age-retirement-planning-beyond-the-calendar\/","title":{"rendered":"AGE | Retirement: Planning Beyond the Calendar"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"24189\" class=\"elementor elementor-24189\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2f7863b e-con-full e-flex e-con e-parent\" data-id=\"2f7863b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;fixed&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6590923 e-con-full 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Calendar<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8c4a0e elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"e8c4a0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"360\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.9.png\" class=\"attachment-1536x1536 size-1536x1536 wp-image-24196\" alt=\"\" srcset=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.9.png 1200w, https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.9-768x230.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-398613e e-grid e-con-full e-con e-child\" data-id=\"398613e\" 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class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tEmail\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_print\" role=\"button\" tabindex=\"0\" aria-label=\"Share on print\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-print\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-share-btn__text\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__title\">\n\t\t\t\t\t\t\t\t\t\tPrint\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fe6c5d elementor-widget elementor-widget-text-editor\" data-id=\"4fe6c5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Introduction<\/strong><\/p><p>Retirement marks more than a date on the calendar, or the end of a career.\u00a0 It is a major life transition that requires foresight, planning and action. The interplay of time, money and intentional living shapes the quality-of-life post-employment. \u00a0The failure to adequately plan can result in financial strain, emotional disengagement and diminished quality of life.\u00a0<\/p><p><strong>Conceptualizing Retirement: A Dual Perspective<\/strong><\/p><p>To effectively plan for retirement, it is useful to consider it both as a <strong>noun<\/strong> (a state of being) \u00a0and as a <strong>verb<\/strong> (an active process).<\/p><p>As a <em>noun<\/em>, retirement represents a vision\u2014a detailed proposal of how one intends to live. This may include geographic preferences, travel plans, volunteer work, part-time employment, or time spent with family. For instance, a person might envision spending six months annually in Wyoming, three months in Hawaii, and the remaining time visiting family across the country. Others may prioritize civic engagement, health, or continued learning.<\/p><p>As a <em>verb<\/em>, retirement is the execution of that vision. This includes the physical, financial, and emotional adjustments required to support a meaningful lifestyle after full-time work ends. The planning must include calculations of realistic living expenses, strategies for income sustainability, and the psychological preparation for a change in daily structure and routines.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f453b9 elementor-widget elementor-widget-image\" data-id=\"6f453b9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"360\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.8.png\" class=\"attachment-full size-full wp-image-24190\" alt=\"\" srcset=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.8.png 1200w, https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.8-768x230.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c60c23 elementor-widget elementor-widget-text-editor\" data-id=\"3c60c23\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>The Financial Dimension: Understanding \u201cMoney Math\u201d<\/strong><\/p><p>A central element in retirement planning is financial literacy\u2014particularly the concept of <strong>compound interest<\/strong> and the critical role of <strong>time<\/strong> in asset growth. Financial planning must begin early, ideally decades in advance, to benefit from the exponential effect of compounded returns.<\/p><p>Albert Einstein is often quoted as saying, \u201cCompound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn\u2019t, pays it.\u201d Whether or not the attribution is accurate, the principle holds true: money invested early grows significantly over time, while failure to invest leads to missed opportunities.<\/p><p>A personal anecdote illustrates this point. Fifty years ago, earning $6,000 annually, the idea of needing $50,000 per year in retirement seemed implausible to me. Later, a financial advisor suggested that saving $100 monthly could yield a $1 million retirement fund. Though difficult to imagine while living paycheck to paycheck, enrollment in an employer-sponsored retirement plan made saving a reality. Over time, contributions accumulated and grew\u2014underscoring the importance of consistent, long-term saving.<\/p><p>The <strong>time value of money<\/strong> cannot be overstated. Saving just $100 per month starting at age 25 can total over <strong>$300,000 by age 65<\/strong> (assuming a modest 7% return). Delay that by just 10 years, and the final amount drops by more than half.<\/p><p><strong>The Emotional and Practical Realities<\/strong><\/p><p>As retirement approaches, the focus often shifts from accumulation of things to distribution, and from acquisition to simplification. The process of downsizing\u2014both materially and mentally\u2014becomes relevant. Many retirees find themselves discarding years\u2019 worth of purchases that, in hindsight, added little value. \u00a0I had a monthly music subscription, for years, resulting in a drawer full of cassettes that are unusable, costing me thousands of dollars.\u00a0 Now as I\u2019m discarding them, I realize the money would have been more effective for me to put into savings.<\/p><p>More importantly, retirees must consider how they will spend their time meaningfully. Simply ceasing work without a plan for engagement can lead to isolation and dissatisfaction. A fulfilling retirement requires purpose, community, adaptability and joy.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c26e592 elementor-widget elementor-widget-image\" data-id=\"c26e592\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"360\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.6.png\" class=\"attachment-full size-full wp-image-24192\" alt=\"\" srcset=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.6.png 1200w, https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.6-768x230.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-718d811 elementor-widget elementor-widget-text-editor\" data-id=\"718d811\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Recommendations for a Successful Retirement Plan<\/strong><\/p><p>Based on experience and best financial practices, the following steps are recommended:<\/p><ol><li><strong>Understand the Value of Time and Money<\/strong><br \/>Begin saving as early as possible. Even modest, regular contributions can produce significant results over time due to compound interest.<\/li><li><strong>Identify and Eliminate Spending Leaks<\/strong><br \/>Track small, habitual expenses that offer short-term satisfaction but diminish long-term financial security. Items purchased on impulse often become clutter during retirement downsizing.<\/li><li><strong>Maximize Employer Retirement Plans<\/strong><br \/>Participate in pension or profit-sharing programs. Retain records of all retirement contributions, and ensure funds are transferred appropriately when changing jobs. Don\u2019t leave retirement money behind.<\/li><li><strong>Educate Yourself on Financial Instruments<\/strong><br \/>Become familiar with investment options such as IRAs, 401(k)s, mutual funds,\u00a0 annuities, and alternative assets. A basic understanding can help you ask better questions and make smarter financial decisions.<\/li><\/ol><ol start=\"5\"><li><strong>Prepare for Psychological Transitions<br \/><\/strong>Plan not just how you\u2019ll spend your money, but also how you\u2019ll spend your <strong>time<\/strong>. Schedule activities, stay socially engaged, and be intentional about maintaining purpose.<\/li><\/ol><p><strong>Conclusion<\/strong><\/p><p>Retirement is not merely the end of a career but the beginning of a new life phase that must be consciously shaped. \u00a0\u00a0Successfully navigating this transition means merging the noun of retirement\u2014your vision with the verb\u2014your action phase.\u00a0 \u00a0Understanding financial principles, beginning early, and living intentionally, can position us for a retirement that is not only secure but deeply fulfilling. Ultimately, retirement should be created, not simply awaited.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2eb4d4b e-flex e-con-boxed e-con e-parent\" data-id=\"2eb4d4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-95c51b2 elementor-widget elementor-widget-heading\" data-id=\"95c51b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Related Posts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-198fb94 elementor-posts__hover-none elementor-grid-2 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"198fb94\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:80,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:71,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:30,&quot;sizes&quot;:[]},&quot;cards_columns&quot;:&quot;2&quot;,&quot;cards_columns_tablet&quot;:&quot;2&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24231 post type-post status-publish format-standard has-post-thumbnail hentry category-age-blog category-mental-health tag-melissa-cook\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-the-healing-power-of-gratitude-for-senior-well-being\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"360\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.14.png\" class=\"attachment-full size-full wp-image-24233\" alt=\"\" srcset=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.14.png 1200w, https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.14-768x230.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-the-healing-power-of-gratitude-for-senior-well-being\/\" >\n\t\t\t\tAGE | The Healing Power of Gratitude for Senior Well-Being\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>In recent years, gratitude has gained attention not just as a feel-good practice but as a powerful tool for improving mental health, especially among older adults. Research supports that gratitude has the power to heal.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-the-healing-power-of-gratitude-for-senior-well-being\/\" aria-label=\"Read more about AGE | The Healing Power of Gratitude for Senior Well-Being\" tabindex=\"-1\" >\n\t\t\tRespectful terms for aging\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-24222 post type-post status-publish format-standard has-post-thumbnail hentry category-age-blog category-physical-activity tag-bernard-steinman\" role=\"listitem\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-falls-among-older-people-and-how-we-can-prevent-them\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"360\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.4.png\" class=\"attachment-full size-full wp-image-24171\" alt=\"\" srcset=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.4.png 1200w, https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.4-768x230.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-falls-among-older-people-and-how-we-can-prevent-them\/\" >\n\t\t\t\tAGE | Falls Among Older People, and How We Can Prevent Them\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Anyone who has ever unexpectedly experienced a fall (which should be about all of us) knows the terror that occurs between the moments of our trip, slip, or stumble, the fall itself, and the jarring moment of impact!<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/uwyoextension.org\/uwnutrition\/age-falls-among-older-people-and-how-we-can-prevent-them\/\" aria-label=\"Read more about AGE | Falls Among Older People, and How We Can Prevent Them\" tabindex=\"-1\" >\n\t\t\tRespectful terms for aging\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-83eb6cc e-con-full elementor-hidden-mobile e-flex e-con e-parent\" data-id=\"83eb6cc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3845068 e-flex e-con-boxed e-con e-child\" data-id=\"3845068\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3b6e830 e-con-full e-flex e-con e-child\" data-id=\"3b6e830\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-77fa96e e-con-full elementor-hidden-tablet elementor-hidden-mobile e-flex e-con e-child\" data-id=\"77fa96e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33ca28f elementor-widget elementor-widget-html\" data-id=\"33ca28f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div id=\"mc_embed_shell\" style=\"display: flex; align-items: center; justify-content: center;\">\n    <!-- Load Montserrat font -->\n    <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Montserrat:wght@400&display=swap\" rel=\"stylesheet\">\n    <link href=\"\/\/cdn-images.mailchimp.com\/embedcode\/classic-061523.css\" rel=\"stylesheet\" type=\"text\/css\">\n\n    <style type=\"text\/css\">\n        \/* A.G.E Style Guide - Form Styling *\/\n        #mc_embed_signup {\n            background: #751916;\n            font-family: Georgia, serif;\n            color: #fff9ef;\n            width: 600px;\n            padding: 0;\n            border-radius: 0;\n        }\n\n        #mc_embed_signup h2 {\n            color: #fff9ef;\n            font-size: 22px;\n            font-weight: bold;\n        }\n\n        .mc-field-group label {\n            display: block;\n            font-weight: bold;\n            margin-bottom: 5px;\n            color: #fff9ef;\n        }\n\n        .mc-field-group input {\n            width: 100%;\n            padding: 10px;\n            border: 1px solid #C7B8A3;\n            border-radius: 0;\n            font-size: 16px;\n            background-color: #fff9ef;\n            color: #751916;\n        }\n\n        .mc-field-group input:focus {\n            border-color: #fff9ef;\n            outline: none;\n        }\n\n        .clear {\n            text-align: left;\n            margin-top: 15px;\n        }\n\n        \/* Updated subscribe button styling *\/\n        #mc-embedded-subscribe {\n            background-color: #fcc426 !important;\n            color: #000 !important;\n            font-family: 'Montserrat', sans-serif !important;\n            font-weight: 400 !important;\n            font-size: 18px;\n            padding: 12px 20px;\n            border: none;\n            border-radius: 0;\n            cursor: pointer;\n            transition: background 0.3s ease-in-out;\n        }\n\n        #mc-embedded-subscribe:hover {\n            opacity: 0.9;\n        }\n\n        .indicates-required {\n            font-size: 14px;\n            color: #fff9ef;\n        }\n\n        .asterisk {\n            color: #fcc426;\n            font-weight: bold;\n        }\n    <\/style>\n\n    <div id=\"mc_embed_signup\">\n        <form action=\"https:\/\/uwagnews.us7.list-manage.com\/subscribe\/post?u=cb8999ef298e9ea4f948d46ed&amp;id=9dd2b688cc&amp;f_id=00a642e4f0\" \n              method=\"post\" id=\"mc-embedded-subscribe-form\" name=\"mc-embedded-subscribe-form\" class=\"validate\" target=\"_blank\">\n            \n            <div id=\"mc_embed_signup_scroll\">\n                <h2>Stay informed. Stay independent. Sign up for AGE updates and get Wyoming-specific expert advice on aging, right in your inbox.<\/h2>\n                \n                <div class=\"indicates-required\"><span class=\"asterisk\">*<\/span> indicates required<\/div>\n                \n                <div class=\"mc-field-group\">\n                    <label for=\"mce-EMAIL\">Email Address <span class=\"asterisk\">*<\/span><\/label>\n                    <input type=\"email\" name=\"EMAIL\" class=\"required email\" id=\"mce-EMAIL\" required>\n                <\/div>\n\n                <div class=\"mc-field-group\">\n                    <label for=\"mce-FNAME\">First Name <span class=\"asterisk\">*<\/span><\/label>\n                    <input type=\"text\" name=\"FNAME\" class=\"required text\" id=\"mce-FNAME\" required>\n                <\/div>\n\n                <div class=\"mc-field-group\">\n                    <label for=\"mce-LNAME\">Last Name <span class=\"asterisk\">*<\/span><\/label>\n                    <input type=\"text\" name=\"LNAME\" class=\"required text\" id=\"mce-LNAME\" required>\n                <\/div>\n\n                <div id=\"mce-responses\" class=\"clear\">\n                    <div class=\"response\" id=\"mce-error-response\" style=\"display: none;\"><\/div>\n                    <div class=\"response\" id=\"mce-success-response\" style=\"display: none;\"><\/div>\n                <\/div>\n\n                <div aria-hidden=\"true\" style=\"position: absolute; left: -5000px;\">\n                    <input type=\"text\" name=\"b_cb8999ef298e9ea4f948d46ed_9dd2b688cc\" tabindex=\"-1\">\n                <\/div>\n\n                <div class=\"clear\">\n                    <input type=\"submit\" name=\"subscribe\" id=\"mc-embedded-subscribe\" class=\"button\" value=\"Subscribe\">\n                <\/div>\n            <\/div>\n        <\/form>\n    <\/div>\n\n    <script type=\"text\/javascript\" src=\"\/\/s3.amazonaws.com\/downloads.mailchimp.com\/js\/mc-validate.js\"><\/script>\n    <script type=\"text\/javascript\">\n        (function($) {\n            window.fnames = new Array(); \n            window.ftypes = new Array();\n            fnames[0]='EMAIL'; ftypes[0]='email';\n            fnames[1]='FNAME'; ftypes[1]='text';\n            fnames[2]='LNAME'; ftypes[2]='text';\n            fnames[3]='ADDRESS'; ftypes[3]='address';\n            fnames[4]='PHONE'; ftypes[4]='phone';\n        }(jQuery));\n        var $mcj = jQuery.noConflict(true);\n    <\/script>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-65cad04 e-flex e-con-boxed e-con e-child\" data-id=\"65cad04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-8af877b e-con-full e-flex e-con e-child\" data-id=\"8af877b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0c3e69 elementor-widget elementor-widget-image\" data-id=\"a0c3e69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.uwyo.edu\/uwe\/index.html\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"95\" src=\"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/03\/UWtwoline_H_Extension_white.png\" class=\"attachment-full size-full wp-image-20170\" alt=\"University of Wyoming College of Agriculture and Natural Resources Extension logo with Bucking Horse and Rider emblem\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-57c66ef elementor-widget elementor-widget-text-editor\" data-id=\"57c66ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>The University of Wyoming is an equal opportunity\/affirmative action institution.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-981c1ed elementor-widget elementor-widget-text-editor\" data-id=\"981c1ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00a9 March 2025<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Retirement marks more than a date on the calendar, or the end of a career.\u00a0 It is a major life transition that requires foresight, planning and action. The interplay of time, money and intentional living shapes the quality-of-life post-employment.<\/p>\n","protected":false},"author":36,"featured_media":24196,"comment_status":"open","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"_acf_changed":false,"wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[2457,2462],"tags":[2474],"class_list":["post-24189","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-age-blog","category-financial-well-being","tag-mary-martin"],"acf":[],"jetpack_featured_media_url":"https:\/\/uwyoextension.org\/uwnutrition\/wp-content\/uploads\/2025\/10\/Age_Quat-3.9.png","post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/posts\/24189","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/comments?post=24189"}],"version-history":[{"count":12,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/posts\/24189\/revisions"}],"predecessor-version":[{"id":24225,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/posts\/24189\/revisions\/24225"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/media\/24196"}],"wp:attachment":[{"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/media?parent=24189"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/categories?post=24189"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uwyoextension.org\/uwnutrition\/wp-json\/wp\/v2\/tags?post=24189"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}