life coaching certificate doudoune coach pas cher paris femme france

life coaching certificate out, reliance on senior discounts, reverse mortgages to be able to keep the house, and the dangerous skipping of medication to keep prescription drugs costs down.For some, the penny pinching begins very close after retirement; others don't feel the change until their early eighties. Researchers, like those at the International Longevity Center in New York City, are just now beginning to calculate the right time to buy an annuity to prevent financial burn out in advanced years. And the field of financial gerontology is just now emerging from the broader background of general financial planning.As far as I can tell from observation, interview and experience with my older clients the road to middle class bag lady status is traversed in three steps.1. First, we are the caretakers, and that costs money and benefits. Throughout our lives we earn less and give up more because of the longevity of others. We are still paid less for doing the same work as men. And we start working later and end sooner to care for children and then spouses or older parents.2. Second, we live longer. Just now we are realizing that living well into our 80's can be anticipated. The fastest growing demography in our country is those over the age 100. There are 75,000 centenarians alive today, slated to grow to 3 million in 30 years. And while costs for our kids, our clothes and our home may go down as we age, other costs are subject to run away inflation. While most of the products in the CPI consumer price index went down in cost, prescription drugs skyrocketed by 6.3% inflation for the last 5 years, some tripling in cost.