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About Dave Hughes

My name is Dave Hughes. My goal is to help you envision, plan for, and ultimately enjoy the best retirement possible.

Hopefully, you are looking forward to retirement with eagerness and anticipation. You envision retirement as a well-deserved reward that you have earned with years of hard work. You are imagining all sorts of ways to fill your days once you are free from the constraints of work and your life is truly your own.

But what if you are unsure about what retirement will be like? Perhaps you’re uncertain about whether you will be happy after you stop working. If you aren’t entirely sure what to expect, this list will give you more things to look forward to. It will help you envision retirement more positively and with greater anticipation. Most items on this list are common experiences shared by most retirees, but your mileage may vary. Here are twelve reasons you will love being retired.

...continue reading "12 Reasons You’ll Love Being Retired"

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As you get older, doesn’t it seem as though time passes faster and faster? That’s the perception most of us have, although intellectually we know that time passes at exactly the same speed.

But perception counts for a lot. And based on that perception, twenty years of retirement will seem to pass much more quickly than the first twenty years of your life or any twenty-year period of your working career.

Why does time seem to pass at an ever-accelerating rate?

...continue reading "How to Slow Down Time and Maximize Your Retirement"

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During the course of your working career, many factors such as technology and globalization have changed the work environment in countless ways. Many societal changes have impacted your personal life as well. It should come as no surprise that many of these same factors have also changed the retirement landscape. Some changes are positive, some are unwelcome and some are simply different. But viewed as a whole, your retirement will be significantly different from your parents’ and your grandparents’ retirement.

Here are six trends that are reshaping retirement.

...continue reading "6 Trends That Are Changing Retirement in America"

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I was happy to contribute to this new article about the current state of LGBT senior housing by Dave Singleton on Caring.Com. It's a worthwhile read about an issue few people are attuned to.

"There is a great need for LGBT senior services and housing options, which have gained steam in the last decade, led by the rise of older LGBT baby boomers. But there’s still work to do. Is it getting better for LGBT seniors who need help and a place to live? How can we make sure none of them takes a backward step into a senior living closet?"

Read the full article on Caring.com.

[Also see 21 Retirement Communities for LGBT Seniors]

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Your retirement presents you with the opportunity to truly live your life on your own terms. You are no longer bound by the constraints of your job. You are now free to do the things you have wanted to do for years, limited only by your available resources and your mobility. It would be unfortunate to reach the end of your retirement journey, only to have regrets for the things you could have done, but didn’t.

With a little thoughtfulness and planning, you can avoid these twelve regrets during your retirement.

...continue reading "12 Regrets You Can Avoid in Retirement"

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It’s not uncommon for two-career couples to retire at different times. This may happen when there is a significant age difference or if one spouse retires sooner than planned due to an unexpected layoff or an irresistible early retirement incentive package. In other cases, one spouse may feel burnt out and ready to throw in the towel while the other spouse is at the peak of his or her career and wants to keep going for a few more years.

Whatever the circumstances, mixed-retirement marriages are situations ripe for resentment and stress. For a time, you and your spouse will have to coexist in different realities, something for which you may be ill-prepared. Here are seven tips that will help you and your spouse adjust to having one spouse work while the other is retired.

...continue reading "7 Tips for Thriving as a Mixed-Retirement Couple"

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Throughout your working years, you have probably viewed your retirement as a destination. It is a goal you are saving for and will hopefully reach one day. But once you reach this destination, then what?

The perception of retirement as a destination may be why some people approach retirement with dread rather than anticipation. They view retirement as a finish line or as the end of the road.

But retirement is simply a milestone you pass on your journey. It’s like crossing the border from one state to the next. The road will continue to unfold before you.

...continue reading "Your Retirement is a Journey, Not a Destination"

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Most lists of top retirement destinations focus on medium to large cities. For LGBT baby boomers, as well as many others who prefer places with diverse populations with thriving arts and culture scenes, larger cities usually have the most to offer. Larger cities also provide more options for medical care and senior support services.

But if you prefer the more relaxed pace of small town living but still hope to find an inclusive and welcoming community with a fun, artsy ambiance, you’re in luck. Here are five small, affordable, LGBT-friendly towns with big personalities that are worth your consideration as retirement destinations.

...continue reading "5 LGBT-Friendly Small Town Retirement Destinations"

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Many retirement articles have been written about all the wonderful things you can do with the free time you will have after you retire. Once you leave work, you’ll have more time to travel, volunteer, take courses, play golf, enjoy hobbies and so much more. The possibilities seem endless. All of these articles talk about everything you can add to your life.

After adding many of these things to your life, you could easily find yourself busier than you were during your working years. But filling your life with busyness probably won’t make you happier. In fact, it could leave you more stressed out.

As it turns out, your happiness in retirement could be determined as much by what you remove from your life as what you add.

Here are four things you could eliminate from your life to be happier in retirement.

...continue reading "4 Things to Eliminate From Your Life for a Happy Retirement"

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Many people move to a smaller house at some point after they retire. Downsizing might make sense for both financial and logistical reasons, but it might not be an advantageous choice in every situation. There are many factors you should consider in order to decide whether downsizing is right for you. Here are some of the pros and cons of moving to a smaller home.

...continue reading "How to Decide Whether Downsizing is the Right Choice for You"