As a senior, your confidence and experience give you an important role in your family, friendships, and community. But you may also face some challenges—from managing your finances and avoiding scams and fraud to staying healthy and more. In honor of Older Americans Month, this guide from USAGov can help empower you to meet those challenges and make the most of life.
Save – Explore a wide range of housing options to reduce your living expenses, including affordable housing and reverse mortgages for seniors. And take advantage of the great outdoors with an America the Beautiful Senior Pass for just $20. This gives you lifetime access to over 2,000 recreation sites, including national parks and a lot more. Plus, the proceeds from your pass can help improve visitor and recreation services.
Nourish – Healthy eating on a fixed income can be challenging. Learn tips from the National Institute on Aging to help manage meal planning and food costs. And explore other food and health services from state and local agencies and from organizations in your community.
Organize – Life can take unexpected turns, but being organized can help you and your family move forward. It’s important to get your affairs in order now so you and your family won’t have to worry about legal documents and other important paperwork later on. And planning for the possibility of long-term care will help you be ready for future decisions about housing, health, financial, and legal decisions.
Report – Scammers frequently target seniors, leading to devastating financial losses. Help the people you know to avoid scams and fraud by sharing these tips and handouts with your family, friends, and community. And make sure to report identity theft and other common scams to the Federal Trade Commission (FTC). Use the Online Complaint Assistant or call 1-877-FTC-HELP (1-877-382-4357) or TTY 1-866-653-4261.
Secure – Managing your money carefully and keeping your personal and financial information safe can help secure your retirement funds. Find a wide range of tools for financial security as you age, including tips on managing debt and the trade-offs between taking your pension in a monthly payout or in a lump sum. And use the Social Security retirement planner and online calculators to help you decide the best age to start receiving benefits.