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The Single Woman's Guide to Retirement

ISBN: 978-1-118-22950-7
320 pages
October 2012
The Single Woman


AWARDS: Silver Living Now Book Award, Mature Living/Aging 2014 (Silver)

If you’re one of the 25 million single women over the age of 45 living in the United States today, AARP’s The Single Woman’s Guide to Retirement is your new best friend. Walking you through the challenges of retired or pre-retired life, from managing your finances to staying healthy in body, mind, and spirit, dealing with divorce, and even looking for love or work, the book covers the issues that really matter to you. Whether you’re looking for a retirement home or planning a cruise, this book is packed with specific details to help take the guesswork out of retirement. Author and retirement expert Jan Cullinane has gathered real-life stories from women just like you to illustrate your options and give you fresh new ideas about how to make the most of your retirement years.

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Table of Contents

Preface v

Acknowledgments ix

Chapter 1 Retirement and the Single Woman 1

Chapter 2 Deciding What to Do with 168 Hours a Week 21

Chapter 3 Working in Retirement: An Oxymoron? 41

Chapter 4 Fitness in Body, Mind, and Spirit 69

Chapter 5 Where Is Your Heart? Exploring Options for Living 99

Chapter 6 A Place to Call Home: What Are Your Choices? 125

Chapter 7 Divorce, Death, Dating, Dependency, and Deepening Connections 181

Chapter 8 Dollars and Sense 227

References 285

About the Author 293

Index 295

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Author Information

JAN CULLINANE is the bestselling coauthor of The New Retirement. She has been featured on TV, on the radio, and in many newspapers and magazines. She is a speaker and consultant on retirement lifestyle issues whose clients include Ford Motor Company, Deloitte & Touche LLP, the federal government, and the Smithsonian Institution.

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“In matter-of-fact language, Jan Cullinane gets at the heart of what you need to do to plan for and protect your future. I can’t say it strongly enough: If you’re a single woman, you need this book.”—Jean Chatzky, bestselling author and financial expert

“For too long, women in America have made the retirement journey alone. No longer. Jan Cullinane is there, companion, teacher, and guide, showing women how to find happiness in retirement.”—Stan Hinden, author of How to Retire Happy:The 12 Most Important Decisions You Must Make Before You Retire

“Finally, a guide for that growing and important demographic! It is clear, comprehensive, fun to read, and immensely useful.”—Bella DePaulo, PhD, author of Singled Out: How Singles Are Stereotyped, Stigmatized, and Ignored, and Still Live Happily Ever After

“Jan Cullinane has written the essential tool for single women approaching retirement. Her practical guide covers every angle—from when to retire, what to do, and how to find single-friendly places to tips about managing money. The wealth of practical details and useful tips turns retirement anxiety into confident anticipation.”—John Brady, founder of Topretirements.com

“Cullinane has done it again. Her previous book is truly an Ultimate Guide to Retirement, but much of the content focuses on retirees as couples. With The Single Woman’s Guide to Retirement, she recognizes that statistics are against us. Women live longer than men, which means that even if you’re ‘happily coupled’ now, there’s an 80 to 90% chance that at some point, you’ll find yourselfmaking important decisions—financial and otherwise—as a single woman. Thankfully, you’ll have this book to lean on. It addresses ALL aspects of single retirement and offers single women a blueprint for a satisfying and successful second half of life. This is a must-read book!”—Anne L. Holmes, “Boomer in Chief,” National Association of Baby Boomer Women

The Single Woman’s Guide to Retirement is a motivator for single mature women to make decisions so their second half of life will be the best part of life. From dating to divorce, from money to boomerang children, no subject is too small or too big to tackle. It’s a great read.”—Bernice Bratter and Helen Dennis, coauthors of the bestseller, Project Renewment: The First Retirement Model for Career Women

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Press Release

October 11, 2012


by retirement expert, Jan Cullinane

“In matter-of-fact language, Jan Cullinane gets at the heart of what you need to do to plan for and protect your future. I can't say it strongly enough: If you're a single woman, you need this book.”
—Jean Chatzky, bestselling author and financial expert

The number of single women age 45 and older in the United States is 25 million—and growing every year. For them, retirement planning offers unique challenges. On average, women have fewer savings and live longer than men. They have different health needs and are more likely to care for family members. This means they need a unique set of guidelines for approaching all facets of retirement, including finances, working after leaving a primary career, relocation, health, travel, giving back, and caregiving.

AARP’s new book The Single Woman’s Guide to Retirement (Wiley; 978-1-118-22950-7; October 2012; $18.95), is the only book out there that approaches retirement for single women in a holistic manner. Retirement expert Jan Cullinane addresses the challenges and opportunities single women have when it comes to planning for a successful and rewarding retirement. She combines personal anecdotes and professional advice to offer a comprehensive guide to the retirement-related issues single women encounter.

The Single Woman’s Guide to Retirement offers a wide breadth of advice, encouragement, and specific suggestions to help women plan for a happy, fulfilling retirement. Providing the reader with checklists, references, quizzes, and advice from experts and women just like the reader, Cullinane presents a retirement guide that is all-encompassing yet practical and easy to read. This book will help this large and growing demographic answer questions such as:

  • What makes single women special?
  • When is the right time to retire from a primary career?
  • How should you best use the 168 hours a week after you retire?
  • How can you maintain a healthy lifestyle after retirement?
  • What are some financial strategies to achieve a successful retirement?
  • Should you pursue a second career? And if so, where are the hot jobs?
  • What are the best places to retire and how do you choose where to relocate?

 Cullinane covers topics from fitness to finances to “the five D’s”—divorce, death, dating, dependency, and deepening connection—ensuring that AARP’s The Single Woman’s Guide to Retirement will be the only retirement guide a single woman will ever need.


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