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RETIRING ON YOUR OWN? A GUIDE FOR SOLO AGERS
Kiplinger's Personal Finance
|November 2025
If you're single without adult children to rely on for help, planning for your older years requires an added layer of intention and urgency.

THE nightmare scenario for many people growing older on their own—a medical crisis in the middle of the night—happened to Jackson Rainer over the summer. Nagging stomach pain turned so excruciating that he couldn't wait for an ambulance to get to his high-rise apartment in Atlanta. So he drove himself to the hospital and was immediately admitted. Three days later, his colon ruptured, necessitating surgery to remove his large intestine.
Rainer, 70, faces months of recovery and adjustment to a new diet and lifestyle. Yet the semiretired clinical psychologist, whose wife of 38 years died in 2016, says.
What Rainer, who doesn't have children, feels grateful about is his circle of close friends, who sprang into action as news of his illness spread. They secured his apartment and his second home in Tryon, N.C., paid his bills, made medical decisions on his behalf when he could not, and remained by his bedside during his three-week hospital stay. Once home, they did his grocery shopping, bought clothes to accommodate his 40-pound weight loss, and planned future activities, such as visiting museums, that wouldn't involve eating. As his strength and ability have returned, he says, they've gradually and graciously started returning the reins of his life back to him.
"Not one of these people share my DNA, but they have been right here with me," Rainer says. "As a solo ager, you learn to be self-reliant, but it's also critical to make an effort to create a community that is supportive. I'm humbled every day by mine."
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