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What Does Retirement Look Like in a Pandemic?



David Jarmul and his wife, Champa, long envisioned what their retirement would look like. After returning from a two-year Peace Corps stint in Moldova in 2018, the couple, both 67, planned extensive travel, including trips to the Baltics, West Africa and Sri Lanka.

“Travel is our passion — it’s what we love to do,” said Mr. Jarmul, who retired in 2015 as head of news and communications for Duke University.

For now, the two are living a Covid-19 retirement — packed with volunteer and social pursuits but reconfigured for a social distancing world. Mr. Jarmul is delivering groceries to a local food pantry and engaging in a get-out-the-vote letter-writing campaign. And the two are caring for their 15-month-old grandson — playing hide-and-seek and reading books — while their son and daughter-in-law work from home and supervise the online classes of two older sons.

“We are happy to spend the time with him. It’s helpful for our son and daughter-in-law,” said Mr. Jarmul, author of “Not Exactly Retired,” a book about the couple’s Moldova experience.

As for his retirement dreams, Mr. Jarmul considers himself fortunate compared to those with true hardship. “Despairing is not a great solution,” he said. “We are trying deliberately to fill our lives with activities that give us meaning — remaining connected to our friends and being good members of the community.”

Just as the pandemic has upended the lives of students and workers, it is derailing the plans of many retirees. Besides any financial toll, the significant health risks that Covid-19 poses for the elderly are forcing many retirees to defer cherished items on their bucket list: travel, volunteering at hospitals and schools, socializing at senior centers, and excursions to sports and cultural events.

Because of their age, some retirees worry they may need to scrap their plans altogether if coronavirus dangers persist.

“We recognize as we get older that the single most valuable thing we have is time, and healthy time. And time is being lost in this moment,” said Paul Irving, chairman of the Milken Institute Center for the Future of Aging, in Santa Monica, Calif. “It’s a source of anxiety for a lot of people who may be deferring plans to move or to spend time with kids and grandchildren.”

Still, more than six months into the pandemic, many retirees, after what some described as a period of fear and hopelessness, are finding ways to adapt.

Since the pandemic started, Phyllis Diamond, a Manhattan therapist and retirement coach, said clients are calling for advice on revising their retirement expectations. “I believe strongly in the importance of action,” she said. “Feeling stuck can lead to anxiety and depression.”

She suggests that clients make a “curious list” of anything they would like to learn more about. Or, she said, “you can revive old passions — things you may have done in the past but put on hold.”

Her husband bought a new guitar, an instrument he has not played for 35 years. Other clients are writing memoirs, taking art and dance classes, or preparing for second-act careers.

For many retirees stuck at home, technology is a lifeline. Though initially intimidated, they’ve turned to Zoom, YouTube, apps and streaming platforms to meet with friends, exercise, visit museums and volunteer, using websites like VolunteerMatch.org.

ImageFor many retirees, technology that might once have been intimidating is proving to be a social lifeline. Here, residents of John Knox Village, a retirement community in Pompano Beach, Fla., celebrate a birthday via Zoom.
Credit…Chandan Khanna/Agence France-Presse — Getty Images

The pandemic “is forcing many retirees to use technology that they may not have used previously,” said Roger Whitney, a certified financial planner in Fort Worth, Texas, and author of the book “Rock Retirement.” “That will bode well for them in the future.”

In mid-September, the Osher Lifelong Learning Institute at Duke University began a fall curriculum of 65 courses, offered via Zoom to its nearly 2,600 members. Most courses are taught live by retired professors and other experts who are 65 and older. “Many are excited to be teaching online for the very first time,” said the institute’s director, Chris McLeod.

When the pandemic lockdown began in mid-March, the institute canceled its in-person classes. A month later, it provided lessons to members on how to use Zoom and began a series of online courses. Many of its affiliated institutes at 124 universities also have moved courses online.

Members who never took courses because they traveled or babysat for their grandchildren are signing on. “This gives them a greater sense of belonging,” Ms. McLeod said. The institute’s singles group is also meeting virtually.

Ms. Diamond said that she and several clients take classes with Vitality Society, a virtual platform for people 60 and older that combines live exercise and wellness classes with social interaction among members.

The site launched in January, and membership began to take off as older adults moved into lockdown, said Meredith Oppenheim, a senior-business specialist who started the venture. Members pay $30 a month for unlimited classes, while nonmembers pay $10 per class.

The 15 to 20 participants in a class can see each other and the coach. Ten minutes before a session begins, class-goers can sign on and chat. “They really are forming virtual relationships,” Ms. Oppenheim said. For older adults, the “need to stay well and connected,” she said, “is more urgent than ever.”

Indeed, for retirees who previously kept busy schedules dining with friends, visiting the gym, and hobnobbing at senior centers and volunteer programs, the potential for isolation and loneliness is a real concern.

Mark Fischer, 77, a retired financial planner, and his wife, Lucy Rose, 76, an artist, sought a vibrant city life when they moved last August from a house just outside Minneapolis to a two-bedroom apartment in a senior-living community downtown.

Now the building’s fitness center is closed, as is the activity room where residents attended an array of social activities and cultural programs.

To maintain their social connections, the couple have invited friends for dinner on their large balcony. And Mr. Fischer’s discovery of Zoom has “opened up the world for socializing.”

“I am talking to friends I have not seen for a long time,” he said.

Six years ago, Paula Cohen, 69, a retired antiques dealer who still scours flea markets to sell online, moved with her husband from Brooklyn to the 55-plus Concordia retirement community in Monroe Township, N.J. She made friends during social gatherings, study sessions and outings run by the Concordia chapter of the Brandeis National Committee, an organization that raises funds for Brandeis University. In mid-March, the activities ended.

But not for long. Though she had never heard of Zoom before the pandemic, Ms. Cohen, a chapter vice president, and other officers revived the group for the digital age.

Members received instructions on the technology. At the end of April, they began virtually socializing during cooking classes and discussions on books, philosophy and ethics. A new group exchanges views on streamed television series. “People are watching more TV now,” she said.

A virtual scavenger hunt was particularly popular, Ms. Cohen said. Items on the to-find list included a VHS tape and a harmonica. The player who returned first to the screen with an item won a point. The top three winners won prizes of wine and chocolate.

Scheduled for October: a live virtual tour of Lisbon led by a guide from Tours by Locals. After the “trip,” the travelers will sit by their screens eating a Portuguese lunch prepared by a couple of members and delivered to each participant’s home.

“We see 20 to 40 people each time doing these things, and it tremendously lessens the feeling of isolation,” Ms. Cohen said.

Credit…Eve Edelheit for The New York Times

Sylvia Saba, too, wanted to figure out how to alleviate the loneliness she and other older adults were experiencing.

Before the pandemic, her days were packed with activities at her retirement community in Sarasota, Fla., and at a nearby senior center. “Then the virus came along, and we were all stuck alone,” said Ms. Saba, 65, who is divorced.

After some brainstorming, Ms. Saba, a retired French instructor, and her daughter Eva Hibnick, 35, a technology entrepreneur in Los Angeles, hit on an idea. In early July, they launched Highway61, a website to help people 50 and older remain socially engaged.

Using the audio feature on a computer, tablet or smartphone, an older person can tap into group games and discussions on books, travel and aging alone.

“We were hoping people would make new friends and chat like they would at a cafe,” Ms. Saba said.

Most participants are members of senior centers, which are closed, but anyone has access. While Ms. Hibnick runs the technology, Ms. Saba recruits senior centers and instructors.

Ms. Saba has passed on the word to her friends at her retirement community. “They love it — they come to bingo all the time,” she said.

Some retirees and those near retirement are using shelter-in-place time to explore encore careers. Colleen Kelly, 60, has had a longtime passion for nutrition and wellness, incorporating healthy eating and exercise into her frenetic life as a corporate executive in Manhattan. Her next-stage endeavor: wellness coach.

Ms. Kelly still works as chief executive of a company that designs evening apparel for the wholesale market. From her second home in Warwick, N.Y., about 50 miles from the city, she is also tackling an online curriculum on wellness coaching and building a business in the field.

Though Ms. Kelly began the program in November, she said, “the pandemic has allowed me more time to focus on it.” She practices health consultations by phone with friends who are also at home.

After Ms. Kelly leaves her full-time job in several years, she said, she intends to start a company that would assist older women improve their health by motivating them to make changes in diet and lifestyle. “I want to help people improve their immune systems, so they won’t live in fear again,” she said.

Retirees are also finding new ways to volunteer.

Laurie Goldwasser, 66, a retired geriatric social worker who lives in Chapel Hill, N.C., has received extensive training as a Covid-19 contact tracer for Duke. She also is printing out absentee ballot request forms and filling out envelopes to be distributed to residents of senior housing complexes.

“In the past, I would have been at farmers’ markets registering people, but I am not exposing myself,” she said.

From her home, Ms. Goldwasser volunteers for the local Meals on Wheels, which, after the pandemic started, switched from near-daily delivery of hot meals to a once-a-week delivery of five frozen meals. The change meant that volunteer deliverers could no longer visit with homebound seniors.

Several days a week, Ms. Goldwasser calls about a dozen Meals on Wheels recipients. She asks how they are doing and reports to the organization if she thinks there is a problem. The conversations cover all sorts of things, from food to books.

Ms. Goldwasser said her volunteer work with the elderly has put the pandemic in perspective.

“The simplicity of the call really makes such a difference for these people, and they have enriched my life,” she said. “It is a constant reminder about how much I have to be grateful for.”


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How to Grow a Hydroponic Garden



Emily Marsh, who lives in Sonoma County, Calif., always thought the best thing about gardening was the feel of soil on her fingertips. But last year she and her fiancé moved to a townhouse with an 8-by-12-foot concrete slab for a backyard. As lockdowns in California stretched into the month of May, and Ms. Marsh, 30 and a co-owner of a janitorial company, read about the surge in gardens, she felt the urge to plant her own. But her only real option was a hydroponic setup.

“I was completely against it at first,” she said, adding that it just didn’t seem like real gardening. Reluctantly, Ms. Marsh purchased a unit from Lettuce Grow, a company that sells ready-to-grow hydroponic kits. “Now it’s just my favorite thing,” she said.

As fall’s first frost strikes plants across the country, you can practically hear the collective moan of America’s gardeners: No more fresh herbs, zucchini or heirloom tomatoes until next summer.

Unless you bring your pandemic garden indoors.

Like urban chicken coops and backyard beekeeping, interest in hydroponics has surged during the pandemic. For Aerogarden, another company selling hydroponic gardens, sales jumped 384 percent in the two weeks of March, a time period that followed most state lockdowns. From April through June, sales were up 267 percent year over year.

“It has been a really amazing year for us,” said Paul Rabaut, the company’s director of marketing. A representative for Lettuce Grow said it was on track to do 10 times the sales compared with last year.

Meanwhile, D.I.Y.-ers are building hydroponic gardens out of PVC pipes and five-gallon buckets. When lockdowns began, Vicki Liston, 45, a professional voice-over actor in New Mexico, wanted to limit her trips to the grocery store and started construction on a pipe-based system. She worried about keeping a pandemic garden alive in her very arid backyard, but so far the project has been a surprising success, she said.

Compared with traditional in-ground gardening, “hydroponics grows more food in less space with less water and less time,” said Dan Lubkeman, president of the Hydroponic Society of America.

That is, if you get everything right. Hydroponics is about optimizing growing conditions: You must have the perfect amount of light and nutrition available at all times. Nail it, and plants can grow up to five times as fast as they would in soil outside, Mr. Rabaut said.

Ms. Marsh, who now has gardens indoors and out, can vouch for Mr. Rabaut’s assertion. She is constantly amazed at the vigor of her plants. “We planted three tomato seedlings, and so far we have gotten 350 tomatoes,” she said. “It’s insane,” she said.

There’s a downside, though. Soil is pretty forgiving — get overzealous with your fertilizer, and your cucumbers may suffer but the soil can buffer a fair amount of the damage. Water is much less forgiving, and the Internet doesn’t always have great advice, Mr. Lubkeman said. He recommends connecting with your nearest hydroponics specialty shop where employees are likely to be experienced growers, or buying a book on the subject.

That’s one reason many new-to-hydroponic gardeners opt to buy a plug-and-play kit: These kits tell you exactly what to add and when. If you’re feeling crafty and a little adventurous, though, you can easily build one yourself.

Here’s how to reap a lot of produce without so much as getting your hands dirty.

ImageA hydroponic garden kit, complete with tomatoes, from AeroGarden.

Whether you construct it yourself or buy a kit, a hydroponic garden needs the following:

  • Seeds or seedlings. If you’re doing this inside, look for varieties that thrive in containers. This will ensure none of your plants get so big they take over your whole hydroponic setup.

  • A reservoir for the nutrient solution, which is made up of all the macronutrients (think nitrogen and phosphorus) and micronutrients (like iron and calcium) plants need.

  • An aerating pump for oxygenating your nutrient solution, since plant roots need oxygen, too.

  • A water pump to move water out of the reservoir and onto your plants throughout the day.

  • Light! More on this below.

  • A “medium.” Since you’re not using soil, you’ll need something to hold the plant’s roots in place. Many mediums also help keep roots moist between waterings. Mr. Lubkeman recommends a material called rockwool for beginners.

As with most hobbies, you can spend a little or a lot. Originally, Ms. Marsh wanted to go the cheap route. Setting up a medium-size D.I.Y. system with a few buckets and an aquarium pump can set you back less than $150. But Ms. Marsh worried about getting everything working correctly. Lettuce Grow’s container is made from recycled plastic, and for Ms. Marsh, that tipped the scales toward buying a premade kit, even if units start at $348 — no lights included.

Aerogarden’s smallest units, which do include grow lights, start at $99, with larger models going up to $600. Ultimately, the decision about whether to buy a kit or build your own comes down to whether you enjoy tinkering or would rather not spend a Saturday gluing PVC pipes and plastic tubing together.

Once your set up is set up, you may see seeds sprouting within three days, though some plants take longer. By two weeks, your seedlings should start to look like real plants. Which is when Ms. Liston realized that her hydroponic experiment was not going quite right. Just a few weeks in, her plants were dying.

It turned out her tap water was too alkaline. A pH buffering solution fixed the problem. (Water testing between 6.5 and 7.0 on the pH scale is considered ideal.) A setup like AeroGarden will tell you when you need to add fertilizer or adjust the pH of your water. If you built your own operation, you’ll need to remember to add nutrients and check the pH of your water (using testing strips) weekly.

“It’s been fantastic,” Ms. Liston said, adding that once she got her light, pH and nutrient levels dialed in, “it just exploded.”

If some plant nutrients are good, more seems as if it would be better, right? That’s not at all the case, Ms. Liston said. So far, she’s managed not to overfeed her plants, but too much plant food can result in dead or severely damaged plants. How often and how much you’ll need to feed depends on the type of nutrient solution you’re using. Read the directions on the bottle.

Credit…ONA Creative

You may be able to grow lettuce, kale or herbs in a sunny window, but as days get shorter, investing in a full-spectrum, grow light is worth the expense. These lights provide the same range of light as the sun and you’ll see much faster growth, Mr. Lubkeman said. In Ms. Liston’s case, adding a light and moving her plants next to her sunniest window resulted in a noticeable change in their productivity.

Ms. Liston’s favorite thing about growing indoors is that it’s bug free. While that means you won’t need to pluck slugs from your lettuce, you will need to take over for bees and do your own pollinating. For plants like peppers, tomatoes and cucumbers, Mr. Rabaut said some customers report getting decent pollination rates just by shaking plants gently every day or two. However, you’ll get even better results if you’re willing to play the part of the bee — using a Q-tip or small brush to sweep pollen from one blossom to another.

This is in your house, after all. While there’s no dirt involved, these setups can get a little funky. Ms. Liston does a thorough wipe down of the PVC plant holders every two weeks. If you buy a premade kit, follow the manufacturer’s instructions on cleaning.

Ms. Marsh tries to clip back greens and herbs at least two times a week. Many items — like basil — do need to be kept trimmed back or else they’ll go to seed and stop producing. While hydroponic gardens are significantly less work than their outdoor counterparts (no weeding!) you can’t neglect your plants completely and still expect them to thrive, Mr. Lubkeman said.


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Lee Kun-hee of Samsung Dies at 78; Built an Electronics Titan



Lee Kun-hee, who built Samsung into a global giant of smartphones, televisions and computer chips but was twice convicted — and, in a pattern that has become typical in South Korea, twice pardoned — for white-collar crimes committed along the way, died on Sunday in Seoul, the South Korean capital. He was 78.

Samsung announced the death but did not specify the cause. Mr. Lee had been incapacitated since a heart attack in 2014.

When Mr. Lee took the helm at Samsung Group in 1987, after the death of his father and the conglomerate’s founder, Lee Byung-chul, many in the West knew the group’s electronics unit only as a maker of cheap televisions and unreliable microwaves sold in discount stores.

Lee Kun-hee pushed the company relentlessly up the technological ladder. By the early 1990s, Samsung had surpassed Japanese and American rivals to become a pacesetter in memory chips. It came to dominate flat-panel displays as screens lost their bulk. And it conquered the middle-to-high end of the mobile market as cellphones became powerhouse computing devices in the 2000s.

Samsung Electronics today is a cornerstone of South Korea’s economy and one of the world’s top corporate spenders on research and development. Mr. Lee — who was chairman of Samsung Group from 1987 to 1998, chairman and chief executive of Samsung Electronics from 1998 to 2008, then Samsung Electronics chairman from 2010 until his death — was South Korea’s richest man.

He and his family members used a web of ownership arrangements to exert influence over the other companies under the Samsung umbrella. Over the course of his tenure, even as professional managers came to have more responsibility at the group, Mr. Lee remained Samsung’s big thinker, the provider of grand strategic direction.

But his reign also showcased the sometimes dubious ways in which South Korea’s family business empires, known as chaebol, safeguard their influence. South Korea’s corporate dynasties are such a major source of economic vitality that some South Koreans wonder whether the chaebol are holding their country hostage.

In 1996, Mr. Lee was convicted of bribing the country’s president, then pardoned. More than a decade later, he was found guilty of tax evasion but given another reprieve, this time so he could resume lobbying to bring the Winter Olympics to the mountain town of Pyeongchang in 2018.

Soon after the Pyeongchang Games, Lee Myung-bak, South Korea’s president from 2008 to 2013 and no relation, was sentenced to 15 years in prison for accepting $5.4 million in bribes from Samsung in exchange for pardoning Mr. Lee.

Lee Kun-hee was born in Daegu, in Japanese-occupied Korea, on Jan. 9, 1942, to Park Doo-eul and Lee Byung-chul, who had founded Samsung a few years earlier as an exporter of fruit and dried fish. The younger Lee was a wrestler in high school.

Samsung first grew by dominating the consumer staples, like sugar and textiles, that war-torn Korea needed. It later expanded into insurance, shipbuilding, construction, semiconductors and more. Lee Kun-hee graduated from Waseda University in Tokyo in 1965. He then studied in a master’s program at George Washington University but did not receive a degree.

He started his career at Tongyang Broadcasting Company, a Samsung affiliate at the time, in 1966. He worked at Samsung C&T, the conglomerate’s construction and trading firm, before being named vice chairman of Samsung Group in 1979.

When he became chairman in 1987, he took from his father a fixation on planning for the far future, even when times seemed good. But he added an overlay of existential fear and ever-present crisis that persists among Samsung brass to this day.

“We are in a very important transition,” Mr. Lee said shortly after taking charge, in an interview with Forbes. “If we don’t move into more capital- and technology-intensive industries, our very survival may be at stake.”

The radicalness of the transition he had mind was made clear when he summoned scores of Samsung Electronics managers to a luxury hotel in Frankfurt in 1993. For days, he lectured the executives, urging them to bury old ways of working and thinking. “Change everything,” he said, “except your wife and children.”

Samsung, he decreed, would focus on improving product quality instead of increasing market share. It would bring in talent from overseas, and it would require that senior executives intimately understand foreign markets and how to compete in them.

At the time, all of this was anathema in corporate South Korea.

“It was very much like Mao Zedong trying to change the mind-set of the Chinese people,” said Chang Sea-jin, a professor at the National University of Singapore.

In 1995, as part of the emphasis on quality, he visited a Samsung plant in the town of Gumi after a batch of cellphones was found to be defective.

What happened next became legend. According to “Samsung Electronics and the Struggle for Leadership of the Electronics Industry,” a 2010 book on the company by Tony Michell, the Gumi factory’s 2,000 workers gathered in a courtyard and were made to wear headbands labeled “Quality First.” Mr. Lee and his board of directors sat under a banner that read “Quality Is My Pride.”

Together they watched as $50 million worth of phones, fax machines and other inventory was smashed to bits and set ablaze. The employees wept.

Mr. Lee’s business record was not unblemished. Believing that electronics would become integral to cars, he started an automobile unit in the mid-1990s. Samsung Motors was sold off in 2000.

A dalliance with Hollywood was similarly short lived. In 1995, Steven Spielberg sounded Mr. Lee out over dinner about investing in a movie studio. Despite being a movie buff, the chairman and other Samsung executives ended up talking mostly about microchips.

“I thought to myself, ‘How are they going to know anything about the film business when they’re so obsessed with semiconductors?’ ” Mr. Spielberg later recalled. “It was another one of those evenings that turned out to be a complete waste of time.”

Samsung entered a phase of global conquest in the 2000s, using flashy devices and sleek marketing to implant its name firmly into the minds of Western consumers. Mr. Lee, however, was rarely seen in public. He was a devoted collector of sports cars and fine art.

By 2007, he had identified the next looming crisis for Samsung. China was ascendant in low-end manufacturing, while Japan and the West still led in advanced technologies. South Korean companies — Samsung included — were sandwiched in between.

But as he got started on his next overhaul of the Samsung way, accusations surfaced that he had dodged taxes on billions of dollars supposedly stashed in secret accounts. Instead of fighting the charges, he stunned South Korea by announcing his resignation on live television.

“I promised 20 years ago that the day when Samsung was recognized as a first-class business, the glory and fruition would all be yours,” he said in 2008, addressing employees, his voice a near whisper. “I truly apologize for not having been able to keep that promise.”

He was pardoned the following year, and was made Samsung’s chairman again in 2010.

After a heart attack in 2014, his son and vice chairman of Samsung Electronics, Lee Jae-yong, became the company’s de facto public face.


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Money is love too: 5 lessons from immigrants to manage your wallet



October 24, 2020 5 min read

This article was translated from our Spanish edition using AI technologies. Errors may exist due to this process.

Adina Chelminsky’s grandfather left Poland when he was just 13 years old and unable to speak a single word of Spanish. However, when he arrived at the port of Minatitlán in Veracruz, he had no money, but he began to work tirelessly until he managed to open a tlapalería that, believe it or not, continues to operate in Corregidora in Mexico City.

“The most important thing I know about finances I learned from my immigrant grandparents who came to Mexico with nothing,” said Chelminsky in her participation in MoneyFest 2020 . “My grandfather was a true entrepreneur because he knew that entrepreneurship was 50% sweat and not just having a ‘millionaire’ idea”.

Adina Chelminsky is not only an accomplished economist and entrepreneur, she is also the author of the popular finance book Cabrona y Millonaria . However, despite his academic training, he points out that the best lessons he has had on money management always come from immigrants ”.

“People like my grandparents who came to Mexico in search of opportunities understand better than anyone how to handle money in a crisis, because they know how to face adversity and prosper in a world they understand,” said the expert.

Image: Money Fest 2020

5 love lessons told with money

Adina’s two paternal grandparents, both immigrants, taught her five basic universal financial principles. “They not only left me with an unpronounceable last name [he says laughing], but also strategies that can be applied always and by everyone.”

1. There is no asset more valuable than education: Whether for one or the children, education is one of the smartest investments that can be made because it is a portable instrument that does not lose returns over time.

“When I was born, my grandfather opened an account for me to pay for a master’s degree. No BA, a MASTER’S DEGREE . This so that there would be no doubt about what I could achieve ”.

2. “Whoever has a store to attend to it”: And in the same way, whoever has savings and investments, keep an eye on them.

“My other grandfather was the smartest person to make investments because he was always informed. It taught me never to go into a business that I didn’t understand or to sign a contract that I hadn’t read.

3. Don’t screw your kids and plan your retirement: “My grandparents came to Mexico and they knew they wanted to die in it. At that time there were no Afores or retirement plans, but month after month they saved for that moment, even if it was at the cost of a luxury ”.

Adina pointed out that her grandparents always knew that they did not want to be a burden for their children when the time came and on the contrary, they always made an effort to have a dignified old age.

4. Finances are ALWAYS a family affair and especially a couple: Sometimes talking about money with your partner can unleash a pitched battle, but it is about being a team.

“There wasn’t a time when my grandmothers didn’t have a say in financial discussions because they ran the house. In those times, my grandparents had the last word, but they always decided between all of us ”, Adina recalls and points out that especially in times of crisis, her grandparents were precisely a COUPLE , partners.

“Today there is a lot of financial infidelity, individual debts, hidden problems and half truths. It makes me think that my grandparents were ahead of their time ”.

5. There is nothing more patriotic than building well-being for others: Adina’s grandparents lived committed to Mexico and providing jobs was always one of their most active priorities.

“As an immigrant you want to help the country that made you its own. There is nothing more patriotic than building well-being for others ”.

It doesn’t matter where we come from, Adina noted, whether from immigrants, born savers, born profligates, or parents who simply did what they could with what they had. “Learning from the past and the financial history that shaped us is essential to build your future.


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