Skip to main content

What Simple Living Looks Like to 5 Retirees

For some seniors, retirement is a time to buy a bigger house, start a business or finally earn a degree. Others are looking for a different lifestyle: one they find simpler.

While the term simple living may have you envisioning time spent in the wilderness a la Thoreau, seniors are finding all sorts of unexpected ways to streamline their lives. For some, it involves downsizing and shedding material possessions, while others are finding simplicity by embracing their community and finding happiness where they are.

Here’s a look at how five seniors are living what they say is the simple life during their retirement years.

Nancy Goodrich and Jim Wick: The Simple (Not Boring) Retirement Community

Downsizing to a condo or retirement community may be the easiest way for older Americans to simplify. Not only does it force many people to purge physical clutter, it can also free up money by eliminating maintenance costs and other expenses related to homeownership.

When Nancy Goodrich reached age 75, she decided it was time to make a change. “I lived in an old Victorian house with three stories and 10 bedrooms,” she says. “It was full of junk.”

The prospect of maintaining her home in the face of advancing age wasn’t realistic. Rather than burden her kids, she opted to move into the Wake Robin retirement community in Shelburne, Vermont. “You have recreational activities, and you have a campus that’s stunningly beautiful,” says Goodrich, now 82, explaining why she chose the community.

Jim Wick, another resident at Wake Robin, came to the community under similar circumstances. “I lived in rural Vermont in a very small town, and I could see what happened to seniors as they got older,” he says. “You wouldn’t see so-and-so more than once a week.” Wick recognized that his physical abilities could become limited in the years to come, and he didn’t want to become isolated as he aged.

At age 74, Wick enjoys working in the community’s woodworking shop and mentoring participants of a local robotics competition. While Wick stays busy, he says his life is simpler at Wake Robin. As for other seniors, he encourages them to forge their own path in retirement.

“There’s a cultural expectation of what you do in retirement,” he says, “but you don’t have to just go someplace where it’s warm.”

For Goodrich and Wick, the right place for simple retirement years isn’t on a sunny beach. It’s at a community in Vermont where they get four seasons, low-maintenance living and access to activities to fill their time.

David and Veronica James: Homeless and Loving It

While some retirees may be looking to downsize their home in retirement, David and Veronica James, ages 56 and 53 respectively, decided to get rid of it completely. The couple had been living on St. Croix in the U.S. Virgin Islands, but when their youngest child moved out, they decided it was time to take an early retirement to do something different.

“We decided to sell our island home. We bought a beat-up old motor home off of eBay and set out for a victory lap,” David says. That victory lap turned into a seven-year-and-counting adventure that has taken them across the globe. As of this writing, the couple is in Kenya and traveling across Africa.

World travel might seem expensive and complex, but David says it’s made their lives richer and simpler by allowing them to focus on family rather than accumulating and maintaining material goods. They’ve also found living on the road is cheaper.

“After our first year, we tallied up our expenses and discovered that we were actually spending less than we had been in a house,” David says. “We find ways to generate income along the way while keeping our cost of living as low as possible.” Those ways include the couple’s website, GypsyNester.com, which chronicles their journey and a book about their experience, “Going Gypsy,” which was published earlier this year.

For the Jameses, the most challenging part of their journey was getting started. “To go all in, sell everything and hit the road,” as David says. When asked what advice he’d give others who are considering how best to spend their retirement years, David recommends taking advantage of the many resources available for seniors, particularly those on the Internet. He credits AARP’s website Life Reimagined as being one of his tops sources for ideas and inspiration.

Traveling throughout retirement may not be everyone’s idea of simple living, but David and Veronica say ditching the house was one of the best moves they ever made. “We are in a state of nearly constantly pinching ourselves [because it seems unreal] and our stress level is basically nonexistent,” David says.

Sharon Addison: Tapping Into the Community

It’s been 15 years since Sharon Addison moved to Loudon, Tennessee, and she has no intention of leaving. The 70 year-old is a retired IT professional who started working as a programmer in 1966. When her husband passed away five years ago, she realized she wanted to have a better way to communicate and share information with her neighbors, preferably a method that used the Internet.

“I thought briefly of writing [a program] myself,” she says,” but that was too much work.”

Then Addison serendipitously came across a newscast discussing the website Nextdoor, a private social network for communities. It offered exactly what she had been envisioning: a platform for neighbors to connect, share information and even sell or give away their clutter. “You don’t have to be dealing with Craigslist where people are calling from God-knows-where,” she says.

Being the Nextdoor organizer for her neighborhood has added a layer of complexity to her life, Addison says. Still, she notes she has been “moderately successfully” when it comes to simplifying, particularly now that she has a way to tap into neighborhood resources as needed.

When it comes to simplifying, Addison can attest there is no one-size-fits-all formula. “What does retirement mean for you?” she asks. “In my case, for example, I wanted an attractive community with a lot of connection between residents.” As a result, the simple life for Addison involves being able to stay in the home she shared with her husband and immerse herself in the larger community.

According to retirees like Addison, Goodrich, Wick and the Jameses, living the simple life may boil down to one thing: stripping away what society says your retirement should look like and instead focusing on what you want it to look like. Then, you’re not just living simply but also simply living well.

More from U.S. News

10 Retirement Lifestyles Worth Trying

10 Retirement Rites of Passage

The High Costs of the Retirement Dream

What Simple Living Looks Like to 5 Retirees originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
Read Next Story