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The Single Woman's Guide to Retirement


Praise for The Single Woman's Guide to Retirement

"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

"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 yourself making 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

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.

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