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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.

- BY DIANE HARRIS

RETIRING ON YOUR OWN? A GUIDE FOR SOLO AGERS

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."

Kiplinger's Personal Finance से और कहानियाँ

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Ciao, Italia! Eight Ways to Save on a Trip to the 2026 Olympics

WHETHER you're looking to experience breathtaking natural beauty in the Dolomite mountains or the urban buzz of a global design capital, northern Italy may already be high on your list of vacation destinations. Add in the chance to attend the Winter Olympics, taking place from February 6 to 22 in Milan and the Cortina d'Ampezzo ski resort, and you may be looking at a once-in-a-lifetime vacation.

time to read

4 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

My Quest for Higher Yields

MARKET action along with recent readings on employment and inflation imply the onset of a troublesome cycle: shrinking cash yields with negative pressure on returns for long-term high-grade corporate and Treasury bonds. Despite the knee-jerk Treasury-bond rally sparked by the dismal early-September jobs report, I expect interest rates to ascend sharply along the outer years of the yield curve—regardless of the Federal Reserve's imminent campaign to ease short-term rates.

time to read

2 mins

November 2025

Kiplinger's Personal Finance

WE ADD A NEW MID-CAP FUND

KIPLINGER 25 UPDATE

time to read

1 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Smart Strategies for Paying Your Child an Allowance

By giving your kids money to spend and save, you'll help them sharpen their financial skills at an early age.

time to read

5 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Take a Bite Out of Dental Costs

Many Medicare Advantage plans include dental care, but there are restrictions.

time to read

3 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

CHOOSE THE BEST CHARITIES FOR YOUR DONATIONS

While you set your giving strategy, think about your values, and select organizations that will put your contributions to good use.

time to read

10 mins

November 2025

Kiplinger's Personal Finance

A BROAD APPROACH TO INNOVATIVE TRENDS

KIPLINGER ETF 20 UPDATE

time to read

1 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

MANAGING MONEY FOR A LOVED ONE WHO CAN'T

Becoming a financial caregiver for an aging or ill relative will go more smoothly if you plan for the possibility in advance.

time to read

3 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

Guiding Families Through Life's Final Chapter

An end-of-life doula offers support to people who are dying as well as their loved ones.

time to read

2 mins

November 2025

Kiplinger's Personal Finance

Kiplinger's Personal Finance

RETIRING ON YOUR OWN? A GUIDE FOR SOLO AGERS

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.

time to read

12 mins

November 2025

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