WITH MANY PEOPLE IN HAWAII LIVING LONGER, OUR GOLDEN YEARS ARE TURNING OUT TO BE GOLDEN DECADES.

SO WHAT WILL IT TAKE TO MAKE SURE YOU'RE LIVING WELL IN THE LONG-TERM?

IT'S MUCH MORE THAN JUST 401KS AND PENSIONS.

FROM STAYING ACTIVE AND CONNECTED TO FINDING NEW PURPOSE, THERE'S A LOT TO THINK ABOUT, AND IT'S NEVER TOO EARLY—OR TOO LATE—TO PREPARE.

TONIGHT'S LIVE BROADCAST AND LIVE STREAM OF INSIGHTS ON PBS HAWAII START NOW.

♪ ♪ ALOHA AND WELCOME TO INSIGHTS ON PBS HAWAII.

I'M LAUREN DAY.

WE SPEND MUCH OF OUR LIVES WORKING TOWARD THE DREAM OF A PEACEFUL, COMFORTABLE RETIREMENT, BUT IN TODAY'S RAPIDLY CHANGING WORLD, THAT DREAM CAN FEEL UNCERTAIN, EVEN OUT OF REACH.

THE GOOD NEWS?

IT IS POSSIBLE, BUT IT WILL TAKE SOME PLANNING AND IT'S NEVER TOO LATE TO START.

WE LOOK FORWARD TO YOUR PARTICIPATION IN TONIGHT'S SHOW.

YOU CAN EMAIL OR CALL IN YOUR QUESTIONS, AND YOU'LL FIND A LIVE STREAM OF THIS PROGRAM AT PBSHAWAII.ORG AND THE PBS HAWAII YOUTUBE PAGE.

NOW, TO OUR GUESTS.

PERCY IHARA IS A CERTIFIED SENIOR ADVISOR.

THE FORMER PUBLISHER AND EDITOR OF GENERATIONS MAGAZINE, HE IS ALSO A MEMBER OF KUPUNA CAUCUS AND AARP.

TRAVIS MOTOSUE IS PRESIDENT OF FINANCIAL BENEFITS INSURANCE.

HE HAS BEEN WORKING WITH INSURANCE AND HAS SPECIALIZED IN MEDICARE OPTIONS FOR SENIORS FOR MORE THAN 20 YEARS.

EE SOO PAIK IS YMCA OF HONOLULU'S ASSOCIATION LEADER OF KUPUNA STRATEGY & SERVICES AND ALSO SERVES AS THE EXECUTIVE DIRECTOR AT THE KAIMUKI-WAIALAE YMCA.

DERRICK ARIYOSHI LEADS THE CITY AND COUNTY OF HONOLULU'S ELDERLY AFFAIRS DIVISION.

IT HELPS SENIORS, PERSONS WITH DISABILITIES, AND CAREGIVERS WITH APPLYING FOR GOVERNMENT BENEFITS AS WELL AS MAKING INFORMED DECISIONS ABOUT LONG TERM CARE NEEDS.

THANK YOU ALL SO MUCH FOR BEING HERE.

GOT AN HOUR TO TALK ABOUT VERY IMPORTANT TOPIC.

GO AROUND THE TABLE.

FIRST START WE ARE SOME OF THE TOP CONCERNS THAT YOU HEAR WHEN PEOPLE COME TO YOU AND SAY, I'M PLANNING FOR RETIREMENT.

WHAT ARE SOME OF THOSE CONCERNS THAT THEY OFTEN BRING UP, I'M LOOKING AT YOU.

ON MY RIGHT.

>> NO PROBLEM I WOULD SAY EITHER PREPLANNING RETIREMENT OR OLDER ADULT OR CAREGIVER IN GENERAL.

TWO SIDED COIRN ABUNDANCE OF RESOURCE AND PROBLEMS IN THE COMMUNITY.

LANDSCAPE EVER CHANGE FUNDING AS WELL.

SO NAVIGATING AND UNDERSTANDING AND RECOGNIZING WHAT SERVICES AND SUPPORTS ARE IN THE COMMUNITY AND TRYING TO FIT THAT TO THE NEEDS OF OUR PRERETIREES, KUPUNA, CAREGIVERS AND MATCHMAKING IS THE CHALLENGE.

>>Lauren: WHAT DO YOU HEAR SOME FOLKS BIGGEST CONCERNS THINKING ABOUT RETIRING.

>> WHEN I WORK WITH MOSTLY MEDICARE.

MOSTLY TURN 65, BOMBARDED ALL OF THESE MAILERS CALLS SAY EXPWROIN THIS PLAN.

THAT PLAN.

ALL OF THESE QUESTIONS WHAT IS GOOD, NOT GOOD.

JOIN THIS PLAN.

DEPENDS WHERE THIS SITUATION IS.

>>Lauren: WHAT DO YOU HEAR?

>> MAKES A LOT OF SENSE.

WHAT WE HEAR PEOPLE THINKING ABOUT THEIR HEALTH AND WELLNESS.

THINK THAT NOW THAT THEIR JOB WAS USED TO TO BE WHOLE LIFE RETIRING WHAT DOES THAT PHONE FOR THEMSELVES IN TERMS OF PHYSICAL ACTIVITY.

WHAT DO THEY BELONG TO?

WHAT THEIR IDENTITY IS.

A LOT OF CONCERN WITH THEIR HOLISTIC HEALTH.

>>Lauren: WHAT WOULD YOU SAY.

>> I DEAL WITH YOUNGER TIRE YEARS.

I'M 65.

RETIREES DEALING WITH FRIEND'S PARENTS AND CAREGIVING, HARD TO NAVIGATE FINDING THESE RESOURCES OUT THERE.

AAN TON OF RESOURCE A LOT OF PEOPLE DON'T KNOW ABOUT.

HAVE TO EDUCATE THEMS TO HE HAD.

HOW TO FOOD THEM.

GO TO WORKSHOPS.

FIND THEM.

A LOT OF WORK P SHOUGH AROUND TOWN.

JOIN AARP.

GET OUT AND BE PROACTIVE AND FIND REALLY TRY TO FIND THE RESOURCES OUT THERE.

BUT THEY HAVE REALIZE THAT WE'RE ALL GETTING OLDER.

SINCE IS WHAT 42.

I'M 6 65 NOW.

THEY EVER THOUGHT OF BEING CALLED KUPUNA NOW.

A WILL OF PEOPLE AT MY AGE STEEL TO REALIZE A YOU GET OLDER HAVE TO START PLANNING AHEAD OF TIME.

I STILL WORK.

A LOT OF PEOPLE ARE NOT.

WORKING.

BUT THEY GOT TO START PLANNING THAT OUT.

WHAT DOES THAT LIFE LOOK LIKE DOWN THE ROAD?

>>Lauren: DO YOU GUYS FEEL RETIREMENT AGE IS SHIFTING?

IS PEOPLE MAY BE WORKING LONGER WITH THE COST OF LIVING?

HAWAII BEING SO EXPENSIVE?

ANYONE CAN WEIGH IN.

>> I WOULD SAY FOR SURE.

LOOK AT THE TRENDS AND DATA, HAWAII ALWAYS RAF RANKS TOP AVERAGE AGE OF WORK FORCE.

HIGH COST OF LIVING FIXED INCOME FOR KUPUNA OF NECESSITY, INDIVIDUALS HAVING TO WORK LONGER.

BUT NOT ONLY LONGER, MULTIPLE JOBS.

THAT'S JUST TO MAINTAIN YOUR EVERY DAY LIVING ESSENTIALS.

ROOF ABOVE YOUR HEAD.

FOOD ON YOUR TABLE.

SO IT'S ONE OF THOSE NECESSITIES TO LIVE IN PARADISE IF YOU WILL.

AND FOLKS STRUGGLE ON THAT.

>>Lauren:EL ALL FOUR OF YOU WORKED IN THIS INDUSTRY.

YOU ALL ARE EXPERTS AT IT.

WITH THE COST OF LIVING, RAPIDLY CHANGING, ESPECIALLY IN THE LAST COUPLE OF YEARS, CURIOUS TO HEAR HOW MAYBE THAT HAS SHIFTED FOLKS CONCERNS AND MAYBE EVEN WORRIES WHEN IT COMES TO THIS TOPIC?

>> I THINK IT'S SERIOUS TOPIC.

PEOPLE THEY DON'T REALIZE THEY'RE GOING TO LIVE A LOT LONGER THAN PROBABLY THOUGHT THEY WOULD.

INFLATION, COST OF LIVING GONE UP.

COST OF HOUSING GONE UP.

RENRENTING OR YOU OWN, COST OF UTILITIES HAVE TO GO UP.

THINK DOWN THE ROAD.

COUNCIL FAMILIES THINK DOWN THE ROAD.

IT'S MAJOR PROBLEM.

MAJOR ISSUE THAT PEOPLE NEED TO TAKE TO HEART.

>>Lauren: WE SEE PEOPLE COMING IN SEEKING RESOURCE BUT ACCESSING OUR YMCA NONPROFIT WITH FINANCIAL ASSISTANCE INQUIRIES, WITH JOINING BECAUSE OF THEIR HEALTH CARE PLAN, OFFERS FREE OR REDUCED ACCESS.

SO THEY'RE VERY EXCITED TO COME IN.

SIT DOWN.

MAKE FRIENDS BUT THEN THEY'LL TALK ABOUT THE COST OF EGGS, TALK OF COST OF GROCERIES AND HOW EXTRAORDINARY IT IS NOW AND HOW HARD IT IS.

AND THEN WE'LL SEE RATHER THAN THEM LEAVING, GO HOME, AND TO GO GARDEN, DO WHATEVER, THEY'RE GOING TO WORK.

GOING TO PART-TIME JOB AS WELL.

>>Lauren: CURIOUS FEEL FREE TO COME JUMP.

WHAT MISCONCEPTIONS DO YOU THINK OUT THERE ABOUT RETIREMENT.

>> RETIREMENT?

A LOT OF PEOPLE TEAMS MEDICARE STUFF OR MEDICARE TROPICAL FORCE A LOT OF PEOPLES DID-STUFF.

PEOPLE EVERYTHING IS FREE FOR MEDICARE.

SOME PEOPLE THINK IT'S FREE.

SOME PEOPLE THINK IT'S EVERYTHING IS COVERED UNDER THAT.

ALSO, THAT I KNOW SMALL BUSINESS OWNERS ARE LOOKING FORWARD TO GETTING MEDICARE A LOT MORE AFFORDABLE VERSUS PAYING FOR GROUP MEDICAL.

DIFFERENT ON THAT SIDE.

>>Lauren: TIPS FOR IT KUPUNA TRYING TO NAVIGATE MEDICARE, MEDICAID, THAT WHOLE SITUATION AND DON'T KNOW WHERE TO BEGIN.

YOU CAN TALK TALK TO A LICENSED BROKE.

HELP YOU APPLY -- LICENSED BROTHERS CAZIMERO.

BROKER.

DEPENDING WHAT YOUR SITUATION IS.

A AND B.

FROM YOUR EMPLOYMENT OR WHATEVER.

WHAT IS BEST FOR EM.

DEPENDS ON THEIR NEEDS.

EVERYONE IS DIFFERENT.

>>Lauren: I HEARD FOUR OF YOU MENTION A LOT RESOURCES OUT THERE.

MATTER OF EDUCATING THE COMMUNITY.

START WITH YOU.

WHAT ARE SOME OF THOSE PROGRAMS THAT YOU MENTIONED SPHA THAT ARE OUT THERE.

>> FRONT R REFRAME QUESTION TALS NEEDS OF KUPUNA NARROW DOWN SEGMENT POPULATION OUTSIDE OF OUR LARGER COMMUNITY.

NEEDS OFF COMMUNITY IS SAME AS YOURS, MINE AND EVERYONE HERE.

COLLECTIVE GOAL FOR EVERYONE IS TO LIVE A RICH FULFILLING HEALTHY LIFE FAR AS LONG AS POSSIBLE IN OUR OWN HOMES AN COMMUNITY.

IT'S THE SAME FOR YOU AS OUR KUPUNA.

SO IN THAT TO YOUR QUESTION, WHAT PROGRAMS AN RESOURCES ARE OUT THERE, ONES THAT SUPPORT ALL OF OUR NEEDS.

SOCIALIZATION, HEALTH PROMOTION, HOW TO KEEP A STRONG BODY.

MIND, SPIRIT.

BEING SOCIALLY CONNECTED.

NUTRITION, MEAL TYPE OF SERVICES.

WHAT TYPE OF SERVICES CAN WE BRING IN THE HOME FOR THOSE FOLKS DIDN'T CARE FOR THEMSELVES.

WHETHER BATHING TYPE OF SERVICE, CHORE SERVICES.

JUST A FEW.

GOOD IN NUMBER.

I THINK DISCUSSION TODAY WILL PROBABLY TEASE OUT SOME OF THOSE AND MAKE THOSE CONNECTIONS.

>>Lauren: ARE THESE FREE PROGRAMS FOR D COMMUNITY MEMBERS OR PAY FOR THEM OR DOES IT VARY.

>> SPEAK TO THE PROGRAMS THAT WE ADMINISTER.

FEDERAL AND STATE MONIES.

CALLED KUPUNA CARE PROGRAMS.

WE ARE AMERICANS HAVE PROGRAMS.

OUR PROGRAM, YES, IS FREE.

FOR OLDER ADULTS.

SISTER AGENCIES IN EACH COUNTY GOVERNMENT.

BUT IF FOLKS ARE ELIGIBLE, MEETING 60 YEARS OF AGE OR OLDER MEET SOME OF ELIGIBILITY CRITERIA FOR THOSE IN HOME SERVICES LIKE BAIGHTDING HAVE TO HAVE SOME-BATHING SOME LEVEL OF DISABILITY WHICH WE GO INTO THE HOME AND RESCREEN FOR.

AND WE THINK APPROPRIATE AND ELIGIBLE, YES.

IT'S FREE.

WE HAVE OTHER PROGRAMS THAT ELIGIBILITY IS NOT AS STRINGENT AS HAVING A DISABILITY.

LIKE OUR CONGRESS MAT MEAL CONGL PROGRAM.

>>Lauren: THANKS TO PARTNERS LIKE THE CITY & COUNTY OF HONOLULU ELDERLY AFFAIRS COMMISSION.

YMCA KUPUNA FUN AND FOOD PROGRAM.

COMCOMING TOGETHER WELLNESS PRESENTATION FROM EXTERNAL RESOURCES TO COME IN AND GIVE THEM PERTINENT TOPICS THAT KEEP THEM HEALTHY AND FULL OF JOY, ANSWERS QUESTIONS SUCH AS THIS PROGRAM.

AND THEN PARTNERING WITH HAWAII MEALS ON WHEELS, TO COME IN AND BRING FREE MEALS TO THEM.

FOR SOME, IT'S THEIR ONLY MEAL SHARING WITH SOMEBODY FOR OTHERS, IT'S A TIME TO RECONNECT WITH REALLY GOOD FRIENDS AND STAY FOR A LONG TIME AND JOIN THAT COFFEE POT AT THE Y.

PLACE WHERE IT'S TO REDUCE SOCIAL ISOLATION AND BRING FOLKS TOGETHER TO PROMOTE THAT HEALTHY, HEALTHY LIFESTYLE AND SENSE OF BELONGING.

>>Lauren: IS THERE A PLACE P OF WE MOVE ON, WHERE FLONGS, WEIS THEREA WEBSITE WEB SIGN U.

>> I MENTIONED SISTER AGENT ASSIST ON EVERY COUNTY GENERAL LINE THAT FOLKS CAN CALL.

AND WE'LL DIRECT THEM TO RIGHT COUNTY AREA AGENCY ON AGING.

THAT'S 643-ADRC.

AND DEPENDING PREFIX, DIRECT TO THE APPROPRIATE COUNTY?

>>Lauren: WHEN SHOULD FOLKS START PLANNING FOR RETIREMENT?

IS THERE A CERTAIN DOLLAR THAT.

FOLKS NEED?

WHEN SHOULD PEOPLE STARTED THINKING ABOUT?

ARE THEY EVER TOO LATE TO START?

>> GOOD QUESTION.

I GET THAT QUESTION QUITE A BIT.

ESPECIALLY MY CLASSMATE, FRIENDS, MY AGE.

FRIEND OF MINE CALLED COUPLE WEEKS AGO.

DO YOU THINK 2 MILLION IS ENOUGH?

I SAID, WE, REAL REALLY A TO SAI DON'T KNOW YOUR LIFESTYLE SPENDING HAND HABITS.

IF YOU'RE MAID SPOUSE, WHAT KIND OF RETIREMENT.

MARRIED OR SPOUSE.

PENSION ANNUITY OR SOCIAL SECURITY.

THINK ABOUT TO ME, LONGTERM CARE ONE BIGGEST EXPENDITURES HAVE TO HAVE SO NEED TO PLAN FOR LONGTERM CARE DOWN THE ROAD.

AS ONE OF THE BIGGEST ISSUES I'VE BEEN TALKINGING ABOUT FOR YEARS.

I WANT TO TWO BACK TO QUESTION EARLIER ABOUT RESOURCES.

YOUR WEBSITE STILL HAVE ADRC WEBSITE?

ADRC.ORG HAYES WEBSITE A LOT OF RESOURCE.

HAS A WEBSITE.

808.COM A LOT OF RESOURCE THERE.

AARP HAS THEM.

FROM FINANCIAL POINT OF VIEW, EVERYBODY IS DIFFERENT.

WHETHER RENTING OR OWN A PROPERTY.

ONE OF THE MOST IMPORTANT THINGS TO ENJOY LIFE AND MAKE SURE YOU TAKE CARE THE END IS HAVING SOME KIND OF LONGTERM CARE PLAN.

YOU CAN SPEND A LOT OF MONEY ON IT.

CARRYCARE HOME PROCESS, DEMENTI, MEMORY CARE COST VERY HIGH.

SCARY THOUGHT.

TO ME.

>>Lauren: ANYTHING YOU WOULD ADD TO THAT.

>> I THINK FOR ME, YOU WANT TO PROBABLY APPLY, NEVER TOO EARLY TO LOOK INTO DIFFERENT THINGS.

BUT P SOME OF MY CLIENTS LOOK AT TALK TO ME MAYBE 2 YEARS BEFORE.

I WOULD SAY PART OF GOOD THING MAYBE 3 MONTHS BEFORE, TURN 65, GOOD TIME TO START LOOK INTO THE THINGS.

>>Lauren: I WANT TO GET YOUR RESPONSE FROM WE HAVE COMMENT ON FACEBOOK.

FEEL FREE TO WEIGH IN.

READ THE COMMENT.

NOT A QUESTION.

VIEWER COMMENT.

THIS PERSON SAYING I WISH I KNEW THAT MY ESTIMATED SOCIAL SECURITY INCOME AMOUNT WOULD FLUCTUATE WITH MY ANNUAL INCOME.

NOT ONLY ABOUT THE YEARS YOU WORKED.

HIGHER PAY TO CONSISTENTLY HIGHER INCOME WORK IS NOT NEED IT THEIR SOCIAL SECURITY INCOME AS MUCH AS LOWER INCOME EARNERS.

>> SOCIAL SECURITY DOESN'T FLUCTUATE.

ALWAYS GO UP LI LITTLE BY LITTLE DEPENDING ON SO SOCIAL SECURITY ADMINISTRATION.

I KNOW IT WILL STABILIZE AND EVERY YEAR, WHATEVER IT GOES UP PERCENTAGEWISE, FEW YEARS AGO, 5.9, 6%.

LAST YEAR WENT UP 1.3, SOMETHING LIKE THAT.

I WOULD TAP INTO THE SOCIAL SECURITY ADMINISTRATION HERE, CALL OFFICE HERE.

BUT SOCIAL SECURITY IS AS YOU SAW THIS MORNING, PAPER, IT'S A WORRY.

>>Lauren: THIS COMMENT WAS ON WE POSTED FACEBOOK QUESTION.

SHOULD HAVE READ THAT FIRST.

POSTED FACEBOOK QUESTION, WHAT IS YOUR BEST ADVICE TO SOMEONE PLANNING FOR RETIREMENT.

BEFORE I READ SOME OF THOSE, VIEWER COMMENTS I GET YOU GUYS TO RESPOND, WHY DON'T YOU E'O HAVE YOU ANSWER THAT QUESTION FOR FIRST WHAT IS SOMETHING YOU WISH YOU KNEW ABOUT RETIREMENT MAYBE BEFORE YOU GUYS GOT INTO INDUSTRY AND WHAT IS YOUR BEST ADVICE NOW FOR SOMEONE LOOKING TO RETIRE?

>> I TELL MY FRIENDS WHEN YOU WANT TO RETIRE, DON'T HAVE A MORTGAGE PAYMENT.

PAY OFF YOUR MORTGAGE AS FAST AS POSSIBLE IF YOU PLAN ON STAYING REST OF RUER LIFE.

WHEN YOU IS RETIRE LESS INCOME, PRETTY SET INCOME.

BUT HAVING THAT MORTGAGE PAYMENT EVERY MONTH, IS VERY CRITICAL AND HOW ARE YOU GOING TO BE ABLE PLAN OUT RETIREMENT.

THAT'S MY BEST TIP I TELL PEOPLE.

>> I I THINKING ABOUT FINANCIAL HEALTH AND WEALTH OF OUR PORTFOLIO IS CRUISE SHIP.

AND THEN I ALSO -- CRUCIAL.

OTHER PART OF HEALTH BEING THE WEALTH THAT YOU ACCUMULATE BEFORE RETIREMENT.

RETIREMENT SHOULDN'T BE SCARY THTHINKING AFTER SUNSET.

RIDING NEXT WAIV WAVE NEXT CHAPR OF YOUR LIFE AND BRINGING YOUR WHOLE SELF THERE BY TAKING YOU'RE OF OURSELF.

ENSURE THANK YOU HAVE A SPACE OF ACTIVITY, ENSURING SOCIAL NETWORK AND CIRCLE TO RELY ON, JUST TO TAL TO TAKE A YEAR OFF R SEVER MENTY, PHYSICALLY, TAKE TAKEYOU'RE TAKE CARE OF YOURSEL, MENTALLY, FINISHLY, SOCIALLY.

>> HAVE THE RIGHT PLAN MEDICARE SIDE, THEN YOU CAN BE MAKE SURE YOU FINANCIALLY STABLE.

>>Lauren: WHAT DO YOU MEAN BY RIGHT PLAN?

>> EVERYONE IS DIFFERENT.

THAT'S WHY THERE'S RETIREES STATE RETIREES VA TRIKEIKI, TRI.

EVERYONE IS DIFFERENT.

SPOUSE MIGHT NOT BE RIGHT TIME FOR YOU.

BEST FRIEND, NEIGHBOR HAS MIGHT BE THE BEST PLAN FOR YOU.

LOOK AND DETERMINE WHAT IS BEST FOR YOURSELF, I EVEN HAVE HUSBAND AN WIFE TWO DIFFERENT PLANS TWO DIFFERENT CARRIERS BECAUSE DIFFERENT SITUATIONS.

JUST WANT TO MAKE SURE THAT DEPENDS ON WHO YOUR DOCTORS ARE.

MEDICATIONS YOU'RE TAKING, HEALTH IS, THAT'S DEPENDING WHAT PLAN YOU LOOK AT.

WHATEVER YOU RETIRED FROM AS WELL.

I WOULD SAY SIMILAR HIS COMMENT, IS THAT JUST IN THE DAILY GRIND GET HOME, WE'RE NOT THINKING ABOUT RETIREMENT.

WE THINKING WE HAD A ROUGH DAY I WANT TO KICK MY FEET O UP.

HAVE A NICE MEAL.

WATCH SOMETHING N NETFLIX HARD TO HAVE INTERNAL DISCUSSIONS LET ALONE PLANNING.

BE HON HONEST WHAT GOAL IS RETIREMENT.

HONEST ABOUT IT.

HOLISTIC WELL-BEING COMPONENTS ARE THERE.

SOCIAL, ENGAGEMENT, TERM CALLED IKIGAI IN JAPANESE WHICH IS FULFILLMENT AND PURPOSE.

WHERE WE'RE IN THE GRIND NOT THINKING ABOUT PURPOSE IN RETIREMENT.

TALKING ABOUT TAKE FOOT OFF THE PEDAL MOST TIME.

QUITE OPPOSITE.

WHEN YOU HAVE INDIVIDUALS THAT LIVE RICH AND HEALTHY AND ENGAGED LIFESTYLE, YOU HAVE PURPOSE AND LIFE.

IT'S FINDING THAT IK KIGAI IN PURPOSE AND BEING THOUGHTFUL AND RETIRE BEFORE YOU RETIRE.

WE HAVE OPPORTUNITIES TO DO.

>>Chair Waters: READ SOME OF THE VIEWER COMMENTS TO THAT QUESTION.

AND THEN WOULD LOVE TO OPEN UP TO THE PANEL TO WEIGH IN ON SOME OF THOSE COMMENTS.

WON'T GET TO ALL OF THEM.

READ A FEW.

SOME OF THEM INCLUDE WISH I HAD KNOWN THAT I WOULD LOVE THAT LONG.

I WOULD HAVE PLANNED DIFFERENTLY.

HAVE A PLAN WHAT YOU'RE GOING TO DO, IF NOT, KEEP WORKING.

SAVE, SAVE, SAVE AS MUCH AS YOU CAN WHEN YOU CAN AND WHILE YOU CAN.

THIS PERSON SAID, MY ADVICE IS DON'T DO IT.

I MISS WORKING AND BEING AROUND PEOPLE SO MUCH.

PLAN AND EXECUTE, DO YOUR HOME RENOVATIONS KITCHEN AND BATHROOM FOR HANDICAP ASSIST CARE.

DO ALL OF YOUR MAJOR DEN IT DENL WORK.

BOOK DREAM VACATION.

GET A CAKE.

WEIGH IN ANY OF THOSE COMMENTS.

>> BIG THING.

PEOPLE ARE GOING TO LIVE LONGER THAN THEY WANT TO.

MEDICATIONS ARE GOOD.

WE KNOW MORE ABOUT TECHNOLOGY AND PROCEDURES AND SURGERIES.

GOING TO LIVE LONGER.

OLDEST STATE IN THE COUNTRY.

SOMETHING WE HAVE TO UNDERSTAND THAT PLAN AHEAD.

ALWAYS BEING PLAN AHEAD.

FOR YOUR HEALTH CARE NEEDS.

>> I LOVE THAT LAST COMMENT ABOUT STAYING ACTIVE AND DO THE THINGS NOW.

AND SHOULDN'T WE DO AT THAT THAT ETHAT EVERYDAY?

STAY ACTIVE IN A WAY A THAT FULLFULFILLS YOU.

KEEP GOING.

WAKE UP NEXT DAY WITH THE SAME PLAN.

AGAIN, USING YOUR LIFE TO ENGAGE WITH OTHERS, FINDING YOUR SENSE OF PURPOSE, IF YOU'RE MISSING WORK, AND YOU'RE DONE WITH WORK PHASE, WHAT ABOUT VOLUNTEERING AN PLUGGING IN TO OTHER AREAS THAT MAKE SENSE TO YOU THAT BRING YOU JOY?

MAYBE SOMETHING COMPLETELY UNRELATED TO YOUR WORK.

MAYBE YOU'RE GOING TO DO SOMETHING THAT YOU WISHED YOU HAD ALWAYS DONE.

STILL TIME TO DO THAT.

>>Lauren: >>Lauren: ONE.

COMMENTS I READ WAS DON'T DO IT.

MISS WORKING.

I MISSING AROUND PEOPLE SO MUCH.

LOVE TO GET THE TWO OF YOU THOUGHTS ON THAT ONE.

YOU KIND OF TOUCHED ON THIS.

HOW RETIREMENT YOU AGE, HOW THAT CAN HAVE A MENTAL IMPACT ON FOLKS.

COULD YOU TALK THAT SIDE RETIREMENT?

>> RIGHT.

SENSE OF LONELINESS AND ISOLATION.

CAN BE COMPLETELY OVERWHELMING.

SO I GUESS TIME TO BE BRAVE AND STEP OUT, GET TO KNOW YOUR NEIGHBORS, JOIN IF IT'S NOT THE YMCA, JOIN SOMETHING.

THAT WILL FAITH BASED ORGANIZATION.

SOMETHING THAT WILL HELP YOU BE AROUND PEOPLE YOU DON'T HAVE TO BE THE SUPER-STAR IN THE FRONT ROW OF THE ACTIVITY, BUT JUST BE AROUND LISTEN WATCH AND I GUARANTEE SOMETHING WILL ORGANICALLY GROW FROM BEING AROUND OTHERS.

JUST LIKE US THE A THIS TABLE.

WE'RE GOING TO BE HAVING CONVERSATIONS AFTER THIS TIME.

SOMETHING GROWS ABOUT BEING WITH OTHER HUMANS.

WE NEED EACH OTHER.

CONNECTED TO EACH OTHER.

>> DESPITE CHALLENGES OF THE PANDEMIC BLESSINGS IN THAT TOO.

WHAT WE LEARNED WITH A LOT OF THE SOCIAL DISTANCING MANDATES IS IMPORTANCE OF THE HUMAN NEED OF SOCIAL CONNECTIVITY.

SO WE RECEIVED INCREASE IN THE TYPES OF CALLS, ANXIETY, DEPRESSION, FROM KUPUNA.

BEING CUT OFF FROM ANY SOCIAL CONTACT.

IT'S AS FUNDAMENTAL HUMAN NEED AS FOOD, AS WATER, BEING ABLE TO HAVE A CONNECTION AND RELATIONSHIP WITH OTHER PEOPLE.

SO THOSE TYPES OF PROGRAMS IMPORTANT.

LIKE YMCA CONGREGATE MEAL PROGRAMS COMBINING MEALS WITH INTENTIONAL SOCIAL ENGAGEMENT ACTIVITIES WHETHER IT BE SENIOR CENTERS, OUR PARKS & RECREATION SENIOR CLUBS ON THE SURFACE, FEELS LIKE THE FEEL-GOODS.

BUT REALLY THERE'S A FUNDAMENTAL HUMAN NEED TO BEING CONNECTED TO PEOPLE.

>> STRONG SENSE OF COLLECTIVISM HERE.

HERE FOR EACH OTHER.

SO MY STATEMENT ABOUT JUST TRY, JUST TRY GETTING AU AND YOU'LL FIND SOMEBODY GUARANTEE AND SENSE OF TAKING CARE OF EACH OTHER HERE.

IS QUITE TREMENDOUS AS WELL.

>> >>Lauren: THIS VIEWER HOUSE A REQUEST.

WANTING BACK TO WHAT YOU SAID.

ASKING YOU TO DEFINE WHAT YOU MEANT BY THE $2 MILLION REMARK.

THIS PERSON SAYING WHO HAS $2 MILLION?

MAYBE YOU CAN EXPAND ON THAT TOPIC.

>> I'VE BEEN FINANCIAL WELL FOR MANY YEARS.

WORKED WITH A LOT OF FINANCIAL ADVISORS.

SOMETHING THAT WAS BROUGHT UP MANY YEARS AGO.

TEN, 15 YEARS AGO.

ABOUT WHAT IS THAT ROUND NUMBER IS THIS THAT'S JUST A NUMBER THROWN OUT MANY YEARS AGO.

GOTTEN ONLINE SEE THAT.

YEAH, IN HAWAII, DOESN'T HAPPEN VERY OFTEN.

AND BUT ASIDE FROM THE NUMBERS PART, YMCA, IF IS REALLY ABOUT QUALITY OF LIFE.

IT'S REALLY ABOUT SOCIALIZE.

GETTING OUT.

I WAS YMCA TODAY PLAYING PICKLE BALL BEFORE I CAME HERE.

IT'S A LOT OF FUN.

BUT SOCIALIZATION, QUALITY OF LIFE IS, YOU CAN ARE MILLION DOLLARS.

BUT IF YOU DON'T TAKE CARE OF YOUR HEALTH, DON'T TAKE CARE OF YOUR MIND, BODY FAMILY WHAT IS THE MONEY WORTH?

EVERYBODY DIFFERENT GOALS.

I THINK SHOULD HAVE A FINANCIAL ADVISOR.

TO WORK WITHIN O THAT.

I'M NOT A FINANCIAL ADVISOR YOU NEED TO KIND OF PLAN THAT OUT.

EVERYONE IS DIFFERENTLY.

>>Lauren: ONE VIEWER WHO WROTE IN AND SAID, BY THE TIME MOST PEOPLE RETIRE, THEY ALSO MIGHT BECOME CAREGIVERS FOR THEIR OWN PARENTS.

WHILE PLANNING RETIREMENT FOR OURSELVES ALSO HAVE TO PLAN FINANCIALLY FOR THE POSSIBILITY OF GETTING CARE HOME.

SEEMS FOR COMPLICATED AND COMPETITIVE THESE DAYS.

WHAT WOULD YOUR ADVICE BE?

FEEL FREE ON THIS ONE.

>> 2,010 ABOUT 100 COMPANIES SELLING LONGTERM CARE INSURANCE TODAY UNDER TEN.

SO THAT WILL TELL YOU, WHY THE COMPANY IS NOT DOING ANY MORE.

COST OF CARE IS GOING UP.

THAT'S WHY THEIR PROGRAM SO IMPORTANT.

BUT DEALING WITH FAMILY, I WENT THROUGH THAT A LITTLE BIT WITH MY PARENTS.

BOTH PASSED AWAY.

LAST COUPLE OF YEARS.

CAR GIVING RESOURCES PROBABLY THE NUMBER ONE THING THAT PEOPLE ARE LOOKING FOR TODAY.

CAREGIVING IN MY PERSONAL OPINION.

>> YOUR VIEWER BRINGS UP GOOD POINT.

YOU HAVE LIFE SPAN AND YOU HAVE HEALTH SPAN.

TWO GET CONFUSED SOMETIMES.

HAWAII CONSISTENTLY ACROSS THE NATION HAS A LONGEST LIFE SPAN.

I THINK LAST I CHECKED AVERAGE 80 YEARS.

SO YOU PLAY THE NUMBERS GAME.

CALLER IS RIGHT.

AS WE PREPLAN OUR RETIREMENT, YOU HAVE TO BE MINDFUL.

PART OF THAT PRERETIREMENT ALSO LIKELIHOOD OF US BEING CAREGIVER FOR LOVED ONE.

SO IN THAT THERE'S NEVER ENOUGH RESOURCES TO TAKE CARE OF THE TOTAL NEEDS OF.

BUILT COMMUNITY.

SUPPLEMENT GOVERNMENT SERVICE SERVICEAND PROGRAM.

NONPROFITS WE HAVE PROGRAMS THAT WE CONTRACT OUT ALZHEIMER'S HAWAII IS ONE.

CATHOLIC CHARITIES.

CAREGIVER SUPPORT SERVICE.

OFFERING CAREGIVINGERS COULDS, SUPPORT GROUPS, BECAUSE-SERVICES SO MUCH PROBLEM IS BURNOUT FROM CAREGIVERS.

AND THAT BY NATURE THEN HAS NEGATIVE HEALTH IMPACTS ON THE CAREGIVER.

THEMSELVES.

RESEARCH WHAT RESOURCES ARE AVAILABLE.

DO OUR BEST ON AGING AS BEST CONNECT WHAT RESOURCE AND SUPPORTS ARE AVAILABLE.

>>Lauren: WHEN FOLKS CALL IN AND YOU SEE YOU CAN WEIGH IN ON THIS AS WELL, WHEN FOLKS CALL IN, WHEN ARE SOME OF THE BIGGEST CHALLENGES THAT YOU SEE THOSE RETIREES FACING COMES TO TRYING TO GET A ASSISTANCE.

>> I WOULD NAVIGATING RESOURCES AND PROGRAMS, LUKE I HAD SAID, LIKE I SAID TOUGH ONE.

AND I WOULD SAY WHAT SUPPORTS ACKNOWLEDGING THE OWN FRAILTIES SOMETIMES IS A TOUGH.

BECAUSE HAWAII CULTURE IS INTERESTING.

WE'RE A PRIDEFUL INDEPENDENT TYPE OF CULTURE.

SO TO ADMIT THAT WE HAVE MAYBE CHALLENGES FOR BARRIERS, IS TOUGH SOMETIMES.

BUT ASKING FOR HELP, I THINK IS NEEDED.

SO THE TYPES OF CALLS WE GET COULD BE IN ANYWHERE FROM I NEED HELP WITH BATHING.

SO AS BEST WE CAN, WE CONNECTED TO RESOURCES AND THEY HAVE TO LET SOMEONE IN THEIR HOME AND HELP THEM WITH THE BATHING PROCESS.

VERY INTIMATE.

VERY CHALLENGING.

BUT I THINK ASKING FOR HELP THEN SEEKING THOSE RESOURCES ARE BIG PART OF IT.

>>Lauren: ARE YOUR CALLERS OFTEN FOLKS MAYBE DON'T HAVE FAMILY HERE OR IS IT SOMETIMES A MIXED BAG?

>> ALL OF THE ABOVE.

KUPUNA THEMSELVES.

CAREGIVERS.

NEIGHBORS.

BUT ULTIMATELY, IT'S THE KUPUNA THAT NEED TO IT ADVOCATE FOR THEMSELVES.

AND ASK FOR THE HELP OFTENTIMES YOU HAVE FAMILY MEMBERS CALLING.

FOR SUPPORT.

OF THE KUPUNA.

BUT WHEN YOU GET CONNECTED TO THE KUPUNA, THEY'RE NOT WANTING THAT SUPPORT.

ANY NUMBER OF REASONS.

MAYBE PRIDE.

WHO KNOWS?

INTERESTING DEMOGRAPHIC WITH THE BABY BOOMERS IS THAT AS WE MOVE TOWARDS THAT GENERATION, GUESS WHAT?

LESS CHILDREN.

GENERATION AFTER THAT, EVEN LESS CHILDREN.

SO YOU CAN FILL IN THE BLANK IT'S.

WHAT DOES THAT MEAN?

LESS INFORMAL SUPPORTS THAN THE QUESTION IS, THEN WHAT?

IS THAT ALL GOING TO FALL ON TO NONPROFITS AND GOVERNMENT?

WE HAVE FINITE RESOURCES.

I WOULD ARGUE THAT WE LEVERAGE AS BEST WE CAN RESOURCE AVAILABLE.

BUT THE COMMUNITY, NEIGHBORS HELPING NEIGHBORS, HAVE TO BE PART OF THAT.

I'M HOPEFUL BECAUSE THAT'S HAWAII CULTURE IN A WAY.

>>Lauren: EXACTLY WE SEE ONE OF OUR YMCA BIG COVER AND COURTYARD WHERE FOLKS JUST GATHER AND WHEN YOU DESCRIBED COMMUNITY, EXACTLY WHO WE HAVE THERE.

ASKING EACH OTHER QUESTIONS.

IN SAFE SPACE.

TRUST THERE.

YOU MIGHT HAVE TO ASK SOMEBODY THREE TIMES.

ARE YOU OKAY?

DO YOU NEED ANYTHING?

REALLY, ARE YOU OKAY?

THEN THE STRAYS WILL START TO UNFOLD.

WE'RE NOT NECESSARILY EXPERTS THAT THESE FOLKS ARE WITH FINANCIAL PLANNING OR EVERY SINGLE RESOURCE AVAILABLE.

WE DON'T HAVE THAT CAN'T BE EVERYTHING TO EVERYBODY.

BUT WE CAN WORK WITH FOLKS COLLECTIVELY ON THINGS.

SO WE DO SHARE RESOURCES.

WE DO GIVE REFERRALS THEN WE HAVE AGAIN, STAFF, VOLUNTEERS, THE OTHER MEMBERS THAT REALLY JUST HAVE ANTENNAS UP TO LOOK OUT FOR EACH OTHER.

>>Lauren: I THINK THIS IS MORE OF FINANCIAL QUESTION.

GIVE IT TO TRAVIS AND PERCY HERE.

WHAT WOULD THE TWO OF YOU SAY TO SOMEONE WHO MAY BE FEELS LIKE THEY WILL NEVER GET TO THAT POINT, TO BE ABLE TO FINANCIALLY RETIRE?

>> THAT'S A GOOD QUESTION.

PEOPLE ARE STILL WORKING BECAUSE THEY CANNOT AFFORD TO TORETIRE.

1, 2, 3 JOBS.

BUT SOMETHING I WOULD REACH OUT TO FAMILY.

LOOK AT WORKSHOPS.

GET OUT THERE AND TALK TO A LOT OF PEOPLE.

SOMETIMES THEY MIGHT FIND A JOB NOT IN THEIR OWN FIELD THAT THEY WERE WORKING EARLIER.

BUT GOT TO BE THEIR OWN ADVOCATE.

GOT TO WANT TO GET OUT THERE AND TALK TO PEOPLE AND FIND DIFFERENT RESOURCES OUT THERE.

I BELIEVE IN VOLUNTEERING.

AND LIKE I SAID, FINANCIAL POINT OF VIEW, PROGRAMS OUT THERE THAT IN THE STATE, CITY CAN PROBABLY PROVIDE.

FINANCIAL SERVICE.

BUT IT'S REALLY BUT HAVE TAKE IT UPON YOURSELF TO RESEARCH AND FIND AND ASK QUESTIONS LOOK AROUND TOWN FOR DIFFERENT THINGS.

IT IS COSTLY IN HAWAII.

OR ASK FAMILY SUPPORT.

>>Lauren: ANYTHING YOU WOULD ADD TO THAT?

>█> ALL DIFFERENT KIND OF PROGRAMS.

STATE PROGRAM.

MEDICAID COULD BE ABLE TO HELPFUL YOU HAVE REALLY LOW INCOME.

ALSO IF YOU NEED HELP WITH MEDICATIONS, LOW INCOME SUBSUBSIDY PROCEEDS FROM THE FEDERAL HELP PAY FOR PRESCRIPTION DRUGS.

MEDICARE SAVING PROGRAM.

HELP PAY FOR YOUR MEDICARE PART B AS WELL.

GOT TO MAKE SURE AWARE OF ALL OF THESE KIND OF PROGRAMS.

EVEN MEDICATIONS, SOMETIMES THERE'S PLACE THAT YOU CAN GO AND FIND MANUFACTURED DISCOUNTS AS WELL.

SOMETIMES MAKE THAT MEDICATION I HAD SOME OF MY KANEALII-CLIENTSPAYING 20%.

THOUSAND DOLLARS A MONTH.

PAYING 0.

DIFFERENT KIND OF PROGRAMS OUT THERE FOR YOU.

>>Lauren: CAN ONE OF YOU TALK ABOUT AFFORDABLE HOUSING OPTIONS OUT THERE FOR KUPUNA WOULD MAY NEED IT DON'T OWN A HOME, WHAT IS OUT THERE FOR THEM?

>> GOOD QUESTION.

NOT A WHOLE LOT OF RESOURCE OUT THERE.

CATHOLIC CHARITIES PROJECTS FOR SENIOR LIVING.

PROPERTIES ON THE NEIGHBOR ISLAND FOR SENIOR LIVING.

HOUSING IS MAJOR ISSUE.

>> I'M A LITTLE BIASED IN GOVERNMENT.

GIVE A SHOUT OUT TO ADMINISTRATION.

I THINK RIGHTLY SO.

I KNOW FOR MAYOR BLANGIARDI, THAT'S ON THE TOP OF HIS AGENDA AND LIST.

AS FAR ADDS BUILDING MORE MORE HOUSING INVENTORY FOR BROADER POPULATION SPECIFICALLY TO KUPUNA.

UNDER HIS ADMINISTRATION OPENED UNDER THE CITY SEVERAL COMMCOMMUNITY HOUSING PROJECTS WORKING HARD TO DEVELOP MORE.

STATE SIDE HAWAII PUBLIC PUBLIC HOUSING AUTHORITY DOING SAME.

WE LIVE ON ISLAND.

LIMITED AS FAR AS FOOTPRINT T GEOGRAPHIC FOOTPRINT.

NOT MUCOR YOU CAN GO BESIDE VERTICAL.

YOU SEE A LOT OF OUR COMMUNITY HOUSING PROPERTIES ARE MORE HIGHRISE IN NATURE, TRYING TO DO SMART DESIGNS WITHIN THE PROPERTY ITSELF, THEY'RE BEING INTENTIONAL ON SHARED COMMUNITY SPACE.

WHERE THOSE PROPERTIES ARE LOCATED.

SO THAT WE CAN BE CONNECTED TO OTHER PROGRAMS AND SERVICES AND IN A COMMUNITY FEELING LIKE A COMMUNITY.

HOUSING IS ALWAYS GOING TO BE A CHALLENGE.

COST OF LIVING IS ALWAYS GOING TO BE BUT CAN HE WE CANNOT TAKE OUR FOOT OFF THE PEDAL IN ATTEMPT TO MAKE A DENT.

AND HELP.

>>Lauren: RICK FROM KAPOLEI WROTE IN AND SAID, IN SCHOOL, CALLED IN, IN SCHOOL NEVER TAUGHT US HOW TO HE R RETIRE YOU HOW TO GET A JOBBING RAISE A FAMILY BUT NOT ABOUT RETIRING.

GET A JOB MAYBE WE NEED TO START THE CONVERSATION EARLIER.

WHEN WO WOULD BE IDEAL START THE CONVERSATION.

>> I WAS THAT I CLASS JUNIOR ACHIEVEMENT WENT INTO CLASS ALL DAY, TEACHING THIRD GRADERS ABOUT FINANCIAL PLANNING.

I BELONG TO FINANCIAL PLANNER ASSOCIATION.

WE DO THAT TWICE A YEAR.

ONCE A YEAR.

GREAT.

WE YOU'RE RIGHT WE HAVE TO START, EDUCATING OUR KIDS ABOUT FINANCIAL PLANNING, RETIREMENT PLANNING MY OWN SON, 20, WHAT IS LIFE GOING TO BE WHEN YOU GET YOUR JOB, FINISH COLLEGE.

HOW CAN YOU AFFORD A VACATION?

I CAN AFFORD A CAR YOU WANT?

AND SO IT'S REALLY REALLY IMPORTANT.

WE GOT TO START WITH EDUCATION EARLY.

>> HOW ABOUT JUST COMBINING INTERGENERATIONAL OPPORTUNITIES.

EDUCATING RETIREES KUPUNA LESSONS LEARNED WITH OUR KEIKI.

THEN IN THAT EFFORT, LEARNING OFF OF EACH OTHER, INSPIRING EACH OTHER, SO I LIKE THAT IDEA.

>> MAKES A LOT OF SENSE.

>> HAVE TO EDUCATE THEM.

>>Lauren: WOULD YOU TWO OF YOU HAVE AN IDEAL WHEN WE COULD START TEACHING OUR COMMUNITY ABOUT THIS A LITTLE BIT EARLIER?

>> YEAH.

AGREE WITH WHAT THE PANELS ALREADY SAID IN REGARDS TO WE NEED TO TALK ABOUT THIS MORE AND NOT BE FEAR BASED ABOUT IT.

THINKING I'LL DEAL WITH IT LATER.

THINKING ABOUT HOW TO HAVE CONVERSATIONS WITH EACH OTHER.

AROUND THEIR BEST PRACTICE.

WHAT THEY'RE DOING.

AND AGREE TH THINKING BACK TO MY OWN SCHOOLING.

I DON'T THINK WE FIGURED OUT HOW TO WRITE CHECKS BACK THEN.

I AGREE.

>>Lauren: SPEAK OF EDUCATION, I'LL ASK THIS QUESTION.

VIEWER CALLED IN, AND ASKED, DO WE HAVE ANY NONFINANCIAL PRERETIREMENT WORKSHOPS?

WE WORKSHOPS ABOUT M MEDICARE AND SOCIAL SECURITY.

WHAT ABOUT SOMETHING FOR THE NONFINANCIAL SIDE OF RETIREMENT?

>> NONFINANCIAL SIDE?

I WOULD SAY WE HAVE A LOT OF CAREGIVING TYPE OF PROGRAMS.

NOT AREA OF FINANCIAL PER SE.

I WOULD SAY HEALTH PROMOTION PROGRAMS THE WANT TO SPEAK TO HEALTH PROMOTION PROGRAM.

>> THINKING ABOUT WHAT THAT MEANT BY NONFINANCIAL PROGRAMS.

SO AT YMCA, ALL LOCATIONS WE HAVE SOMETHING FOR EVERYBODY IN TERMS OF AGAIN, HOW TO TAKE CARE OF YOURSELF NOW.

THAT YOUR FUTURE SELF WILL THANK YOU FOR.

SO WHAT CAN YOU DO THAT INTERESTS YOU, THAT YOU HAVE ACCOUNTABILITY, THAT YOU ENJOY, AND YOU DON'T HAVE TO DO RIGOROUS EXERCISE.

SEVEN DAYS A WEEK.

YOU CAN FIND A TWO TO THREE DAY SOMETHING.

THAT WILL KEEP YOU GOING.

YOU CAN DO OTHER THINGS THAT DON'T NECESSARILY REQUIRE A PLACE.

CAN YOU GET OUTSIDE.

AND MOVEMENT IS KEY.

WALK AROUND.

GET TO KNOW YOUR NEIGHBORS.

AND JUST STAY ACTIVE.

>>Lauren: IS THERE ANYTHING THAT YOU WISH FOLKS ASK YOU BEFORE THEY HIT THE RETIREMENT AGE?

IF THEY COULD HAVE?

>> ANYTHING I WISH?

HOPEFULLY THEY CAN EVERYONE IS DIFFERENT.

SO HOPE FLO HOPEFULLY THEY CAN L PERSON WHAT IS BEST FOR THEM.

IN TERMS OF LET'S SEE,.

>>Lauren: HOW ABOUT THE REST OF YOU?

ANYTHING IF YOU COULD WIND THE CLOCK BACK, IF THEY COULD ASK YOU SOMETHING BEFORE THEY HIT RETIREMENT, SOMETHING THAT WOULD HAVE BEEN CRUCIAL TO KNOW.

BEFORE THIS POINT.

WHAT WOULD THAT QUESTION BE?

>> I CALL IT FINANCIAL GERONTOLOGY.

MANY, MANY YEARS AGO SAW THAT CONFERENCE 2010, WHERE FINANCIAL GERONTOLOGY, AS YOU GET READY TO RETIRE.

WHAT'S THAT GOING TO LOOK LIKE.

FIXED INCOME.

NOT HAVE WORK FRIENDS ANY MORE.

STAY ACTIVE.

BUSIBUSINESS A 42 HAD TO LEARN ABOUT RETIREMENT.

GOT CERTIFICATIONS.

CLASSES WITH THE WORKSHOPS, WENT TO CONFERENCES ZOO SEE CONFERENCES TO SEEWHAT OTHER PR.

SENIOR PROGRAMS OR SENIORS.

STATE HAS A AT LOT OF PROGRAM.

I LOVE THE Y. TAI CHI, YOGA AY DAYTIME IS FILLED WITH PEOPLE.

ACTIVE PEOPLE I STARTED PLAYING PICKLE BALL.

CROWDED OVER THERE.

BESIDES ALL BASKETBALL PLAYERS, SWIMMING, JUST SO MANY THINGS YOU CAN DO.

BUT I THINK YOU NEED TO LOOK AT IT.

TALK TO PEOPLE.

WE ARE OTHER PEOPLE DOING.

>> >>Lauren: I THINK THERE'S A QUESTION THERE TOO.

>> WILL I BE HAPPY?

WHAT IS THAT GOING TO LOOK LIKE?

MAKE ME HAPPY?

FOR THE FUTURE?

WHEN I RETIRE.

WHAT IS MY LIFESTYLE GOING TO BE?

WHO IS GOING TO BE MY CORE GROUP OF FRIENDS?

WHERE AM I GOING TO LIVE.

ALL OF THOSE COMPONENTS COMING TOGETHER.

AGAIN, YOU DON'T HAVE TO HAVE THIS HUGE PORTFOLIO OF THINGS.

YOU JUST HAVE TO HAVE THE RIGHT SURROUNDINGS.

>>Lauren: ANYTHING YOU WOULD ADD TO THAT?

>> WE'RE PICKING UP SOME THEMES HERE.

I WOULD SAY IN THE PLANNING PROCESS, DON'T PLAN FOR THE BEST VERSION OF OURSELF IN RETIREMENT.

IT'S PLANNING FOR THE REALISTICCABILITY POS WHAT COULD HAPPEN.

TOUGH REALISTICCABILITY POS.

TOUGH CONVERSATIONS I DON'T WANT TO SEE MYSELF POSSIBILITY OF ONLY MORTALITY OR FRAILTY OTHER DIFFICULT THINGS IMPORTANT TO DO BECAUSE THAT'S THE REALITY OF LIFE, I THINK AS WE ASK THOSE QUESTIONS AND BE HONEST WITH OURSELFING GO TO REQUIRE OURSELVES V HAVE REQUIRES TO HAVE THOSE QUESTIONS LIKE LIFESTYLE.

OR OUR BOW GOAL RECOGNIZES INCOE IS GOING TO BE SMALLER GOING TO BE FIXED, I HAVE TO BE HONEST WITH MYSELF THAT I CAN'T MAINTAIN POSSIBILITY LIFESTYLE INCLUDING AND I GET IT, IT'S HARD, THE LIVING HOUSING ACCOMMODATIONS.

IF WE CAN HAVE THOSE HONEST CONVERSATIONS WITH OURSELF AND HONEST WHAT OUR GOALS ARE, THEN YOU BACK INTO THAT.

WHAT TYPE OF LIFESTYLE DO I HAVE TO ADJUST OR MODIFY?

DO I HAVE TO POSSIBLY, WE ACROSS THE COUNTRY, THERE'S A REASON WHY WE RANK HIGHEST AS FAR AS MULTIGENERATIONAL FAMILIES.

THAT'S A CONVERSATION THAT WE HAVE TO MAYBE WITH OUR FAMILY FAMILIES.

NOT PROTECT OUR CHILDREN SOMETIMES FROM THOSE CONVERSATIONS.

>>Lauren: MOST DEFINITELY.

I'LL READ VIEWER QUESTION.

PEOPLE WHO DON'T QUALIFY FOR MEDICARE, IS THERE ANY FINANCIAL ASSISTANCE OUT THERE IF PRIVATELY OWNED CARE HOMES ARE THEIR ONLY OPTION.

IIS IT IT IS SO EXPENSIVE,.

>> MEDICARE IS 65.

SO AND 635 6 65 YEARS OLD, DISD DISABILITY PROGRAMS.

THAT'S A GOOD QUESTION.

YOU JUST GOT TO, I LIKE TO USE AARP, USE DIFFERENT OFFICE ON AGING, ELDERLY AFFAIRS DIVISION AND JUST ASK THOSE QUESTIONS.

GO TO WORKSHOPS ASK THE QUESTIONS.

THERE THERE ARE A FEW.

HARD TO FIND.

>> WOULD SAME THING OF CARE.

AS A SPECTRUM.

SO IT'S JUST NOT FROM INDEPENDENT ALL ALL OF A SUDDEN TO FA FACILITY NURSING LEVEL CARE OR CAR HOME.

CARE HOME.

OUTSIDE GOVERNMENT SUBSIDIZED SUPPORTS FOR CARE HOME OR NURSING FACILITIES ONLY OPTION IS PRIVATE PAYING OR AND/OR LONGTERM CARE INSURANCE.

OTHER SUPPORT SERVICES IN BETWEEN.

YOU HAVE THINGS LIKE ADULT DAY CARE.

SERVICE.

WHERE OLD AIR ADULT CAN GO INTO OLDER ADULT CAN GO FOR THE DAY INTO ADULT DAY CARE MEALS, SOCIAL ENGAGEMENT, SUPPORT FROM STAFF, CAREGIVER HOPEFULLY CAN GET YOU THE RESPITE OR STILL BE IN THE WORKFORCE.

THEN AT THE END OF THE DAY, THEY COME BACK HOME.

YOU CAN BRING IN HOME AND COMMUNITY-BASED SERVICES, BATHING, HOME DELIVERY MEALS, CHORE TYPE OF SERVICES.

NOT EVERY SHOE IS RIGHT.

NOT EVERY SHOE FITS.

BUT IT'S FINDING THAT RIGHT SHOE.

>>Lauren: THIS CALLER ASKING, ABOUT MEDICAID.

MAYBE TRAVIS THROW IT TO YOU.

THIS QUESTION.

REDUCTIONS IN MEDICAID.

WHAT WILL HAPPEN TO OUR PROGRAMS HERE IN HAWAII?

>> I DON'T THINK, HOPEFULLY NOT TOO MUCH REDUCTIONS IN THE MEDICARE, MEDICAID.

I KNOW THEY'RE TALKING ABOUT THAT.

I KNOW TALKING ABOUT THAT BUT HOPEFULLY, DON'T REALLY KNOW EXACTLY WHAT'S GOING ON WITH THAT BILL.

SAYING PROBABLY GOING TO TAKE OUT ILLEGALS PER SE.

WHO KNOWS?

IN THE PAPER SAYS IT'S GOING TO A LOT OF PEOPLE HOSPITALS MIGHT BE OUT OF JOBS ALL OF THAT KIND OF STUFF.

I'M NOT SURE EXACTLY WHAT'S GOING TO HAPPEN.

JUST FOR ME ABOUT WAIT AND SEE WHAT GOING TO HAPPEN WITH THE BILL.

GOING TO COME OUT CONGRESS NTSDZ A HOANDHOUSE PASS.

>>Lauren: STOCK MARKET FLUCTUATES FOLKS HAVE RE: RETIREMENTSSAVINGS 401K DO THEYT THAT SITUATION AND HOW MUCH STRESS PUTTING ON THEM?

WHAT DO YOU GUYS SAY TO THEM?

>>EL AFTER 9/11, I DIDN'T REALIZE 401K COULD GO DOWN.

IN 2008, I DIDN'T REALIZE THAT BANK FINA FINANCIAL CRISIS MY 4K CAN GO DOWN.

TALK TO FINANCIAL ADVISOR.

PROFESSIONAL IN THAT INDUSTRY ALL DAY LONG BE ABLE TO ANSWER THAT QUESTION.

BUT MEDICAID I THINK DEREK CLOSER TO THE GOVERNMENT SIDE, SO WHAT YOU SEE OR WHO WHAT YOU THINK MEDICAID CUTS POTENTIALLY COULD BE?

>> WHO KNOWS?

I KNOW THAT SOME OF THE DISCUSSION IN TIME MEDICAID, EVEN OUR SNAP PROGRAM, TO ELIGIBILITY WITH RESPECT TO WORK PROVISIONS, LIMITING ELIGIBILITY AND ACCESS TO REFUGEES, MIGRANT TYPE OF POPULATIONS, SO I PROBABLY SHOULDN'T OR CAN'T SPEAK ON THE POLICY LEVEL.

BUT WE HAVE TO BE READY THAT THERE MAY BE AND I WOULD SAY MAYBE LIKELY IMPLICATIONS TO CERTAIN POPULATIONS.

IN THAT THEN THERE'S A POLICY DISCUSSION, THEN WE HAVE TO HAVE THAT LOCAL LEVEL, SO WHAT SAME THING.

AS PROGRAM SERVICE.

WHAT PROGRAM SERVICES ARE AVAILABLE THEN?

WE KNOW THAT WE'RE NOT GOING TO COVER ALL THE GAPS IN NEEDS OF THE COMMUNITY.

BUT I DON'T THINK THAT STOPS US FROM TRYING TO SEE WHAT RESOURCES ARE AVAILABLE AND DOING OUR BEST TO AS A COMMUNITY AGAIN, RIGHT, TO MOBILIZE, ACTIVATE, AND DO OUR BEST TO RESPOND.

>>Lauren: THIS VIEWER ASKING, IF YOU ALL, PANEL, WILLING TO SHARE WHEN DO YOU PLAN TO RETIRE AND DO YOU PLAN TO WORK AS LONG AS YOU CAN?

FOR ENJOYMENT OR NECESSITY?

>> I'M OLDEST ONE HERE PROBABLY, DO YOU KNOW THAT FOR SURE?

>> I THINK SO.

YEAH.

>> HE LOOKS YOUNGER THAN ME.

>> I SUPPORT SENIORS AND I DO A LOT OF WORKSHOPS AND COUNCIL SENIORS EVERY DAY AND THERE'S A LOT OF THINGS THEY DON'T KNOW.

ALWAYS GOING TO BE WORKING FOR FEW MORE YEARS.

BUT I DEFINITELY KEEP ACTIVE.

PICK UP GOLF.

SOFTBALL.

I BELIEVE IN BIG BALANCE IN LIFE.

IF YOU CAN WORK PART-TIME, WORK AND HAVE A BALANCE IN LIFE, BECAUSE STEVE JOBS I'LL ACEYOU CAN HAVE ALL THE MONEY IN THE WORLD.

DOESN'T KEEP YOU HEALTHY.

SAVE MY LIFE.

DOESN'T MAKE A DIFFERENCE HOWHOWMUCH MONEY YOU HAVE.

WORK A WHILE.

>> JUST GOT STARTED.

HAVEN'T THOUGHT ABOUT ALL AS PEGHTS ASPECTS OF RETIREMENT.

ASK ABOUT, IS THAT MY KNEE MAKING THAT NO ICES?

MAKING THAT NOISE?TRY TO ST STAI CAN.

TRY TO BE AS SOCIAL I ARTS AND SCIENCES I CAN.

GET -- SOCIAL AS I CAN.

GET INVOLVED OTHER COMMUNITIES.

DIMENSIONS OF HEALTH WHAT I'M THINKING ABOUT AS MY RETIREMENT PACKAGE.

>> I DON'T PLAN ON HE RETIRING ANY TIME SOON.

SEE EXACTLY WHEN I WILL.

80ISH.

HOPING BODY CAN LAST THAT LONG.

I THINK I'M GOING TO WORK AS LONG AS I CAN I THINK DURING THAT TIME.

AROUND 80ISH I THINK RETIRE OR SLOW DOWN.

REALISTIC QUESTION IS WHEN MY WIFE PLANS FOR ME TO RETIRE.

I THINK MIGHT BE IN THE EQUATIONER, TO CALLER -@QS GOVERNMENT,, PARTICULARLY RIGHT, IS THAT WE'RE NOT MAKING A GOOD AMOUNT OF MONEY PER SE.

WE REALLY ARE PURPOSE AND MISSION DRIVEN IN THAT WAY.

SO MAYBE I'LL FLIP THE QUESTION, SO LONG AS I FEEL THAT WE'RE MAKING A DIFFERENCE, FOR THE LARGER COMMUNITY AND I FEEL SATISFACTION AND GRATIFICATION THAT MY WORK HAS A PURPOSE AND MAKING A DIFFERENCE, TRULY MEAN THAT.

TRULY MEAN THAT.

TO ME, THAT'S GRATIFYING.

AND SATISFYING.

WHICH FEEL THAT THERE'S A NEXT GENERATION OR SOMEONE ELSE THAT CAN TAKE IT TO THE NEXT LEVEL.

>> THEN THAT WILL BE MY SIGN THAT I HAVE TO MAYBE TRANSITION INTO THE NEXT PART OF MY LIFE BUT WITH THAT SAID, WE DISCUSSED IT ALREADY.

I THINK I STILL NEED TO HAVE PURPOSE.

NOW MAYBE IT'S A DIFFERENT PURPOSE.

>>Lauren: FOR OF YOU FEEL LIKE RETIREMENT IS STILL THE GOAL?

DO THE FOUR OF YOU FEEL?

DO YOU WANT TO, WORK AND CONTRIBUTE TO THE SOCIETY?

FORFOR SOME, MY DAD FOR INSTANCE HE LOVES WHAT HE DOES.

AND I DON'T THINK HE PLAN ON RETIRING ANY TIME SOON.

BECAUSE IT GIVES HIM PURPOSE.

LIKE YOU WERE SAYING.

CURIOUS IF YOU THINK HIS RETIREMENT GOAL FOR YOU ALL OR YOU THINK FOR SOME, MAYBE RETIREMENT IS NOT THE GOAL.

>> THEY WANT TO KEEP CONTRIBUTING AND WORKING TO GIVE THEM PURPOSE?

>> AS LONG AS WE CONTRIBUTE.

MY PURPOSE IS ABILITY TO SUPPORT SENIORS IN HAWAII.

ALL OF MY BACKGROUND, EDUCATION, KNOWLEDGE ABOUT WHAT SPHWG ON IN THE STATE, GOING ON IN THE STATE I CAN I SI BELIEVE IN BALANCE.

TRY TO PLAY SOME SPORT ALMOST EVERY DAY.

SPEND TIME WITH MY FAMILIAR.

YEAH, I LOVE WHAT I DO.

LOVE WORKING WITH SENIORS.

BEST JOB WORKING WITH SENIORS.

TELL YOU SAME THING.

WONDERFUL COMMUNITY TO BE PART OF.

>>Lauren: YEAH.

>> I THINK THAT I'M THINKING ABOUT THE WINDWARD RETIREMENT WR OUTSIDE MY DOOR, OUTSIDE MY OFFICE HE RETIREMENT IS EITHER END GAME OR QUIET AND THEN RETIREMENT IS YOU'RE BUSIER THAN EVER.

WHAT CAN THAT LOOK LIKE?

I'M HOPEFUL THAT FOLKS WILL STILL FIND THEIR MEANINGFUL SELF-IN THE WORLD.

AFTER THEY'RE TON WITH WHATEVER JOB THEY PUNCHED IN AND PUNCHED OUT ON SO MUCH TO DO.

WE JUST ALLUDED TO A LOT OF IT HOW HE CAN WORK TOGETHER TO MAKE COMMUNITIES STRONGER AND I'M SURE THAT WILL HAPPEN AS SOON AS WE CAN GET A FEW THINGS ROLLING.

BUT I REALLY DO THINK THAT ACTIVE RETIREMENT MEANS AGAIN, LINKING ARMS AND DOING MORE WORK TO LOOK OUT FOR EACH OTHER.

>>Lauren: QUESTION FOR YOU.

MAYBE SOME RESOURCES FOR RETIREES WOULD MAYBE RETIRE AND SAY, WHAT THEY HAD PLANNED FOR SEE SEEMS FOB FALLING SHORT.

-- SEEMS FOB FALLING SHORT.

SEEMS TO BE FALLING SHORT.

ANY RESOURCE.

FINANCIALLY GIVING COST OF LIVING EVERYTHING GOING UP.

SEEMS LIKE POT IS RUNNING DRY.

WHAT IS OUT THERE FOR THEM?

>> I THINK COUPLE STRATEGIES TO THAT.

WE HAVE WORKFORCE NETWORKS AND PROGRAMS.

AMERICAN JOB CENTER FOR INSTANCE.

EACH ISLAND HAS THAT.

SO I WOULD PROBABLY STEER THEM DIRECTION SEE WHAT JOB OPPORTUNITIES AS SECOND CAREERS POSSIBILITY.

COULD FIT INTO.

MAY REQUIRE OUR SENIORS OR KUPUNA TO REINVENT THEMSELVES TO.

AND HAVING THE COURAGE TO DO THAT.

I GO BACK TO OUR QUESTION ABOUT RETIRE COING.

WHO ARE WE TO SUBSCRIBE IN THE DEFINITION WHAT RETIREMENT IS?

I WOULD ARGUE THAT I WANT TO BE OWNER, CAPTAIN OF THAT SHIP ON HOW I DEFINE RETIREMENT.

MANY OF OUR KUPUNA IN RETIREMENT ARE MORE BUSY THAN THEY WERE IN THE WORKFORCE.

I WOULD SAY THAT NOT TO BOTTLE OURSELVES UP IN SUBSCRIBING WHAT RETIREMENT IS AND WE BE THE T CAPTAIN HOW WE DEFINE THAT.

>> NO ONE ELSE WILL.

>>Lauren: I LIKE THAT.

GET THROUGH A FEW MORE VIEWER QUESTIONS BEFORE WE WRAP UP OUR SHOW LAST COUPLE OF MINUTES.

A SANDY CAN YOU GIVE US IDEA HOW MUCH CARE HOME OR NURSING HOME WOULD BE?

>> GOOD QUESTION.

ALL OVER THE PLACE.

DIFFERENT LEVELS OF CARE.

I WOULD SAY ANYWHERE BETWEEN H4AND 7,000.

SKILLED KESKILLED CARE, MEMORY .

>>Lauren: A MONTH?

>> A MONTH.

MEDICAID PROGRAM.

LONGTERM CARE.

PROGRAM FOR THAT.

THAT'S A WHOLE OTHER ANOTHER TOP INTERGOVERNMENTAL AN QUESTION AND QUALIFICATION -- TOPIC AND QUESTION AND QUALIFICATIONS PARAMETERS FOR THAT PROGRAM.

THAT'S ABOUT THE RANGE?

DO YOU WANT TO FOR TO A CARE HOME?

A LOT OF PEOPLE WANT TO GO TO ADULT DAY CARE IF THEY QUALIFY OR RECEIVE CARE IN YOUR HOME.

DO THEY GOT TO DO RESEARCH.

>>Lauren: ALAN HAWAII KAI, QUESTION IS FOR YOU, IS SOMETHING ASKING WHAT KIND OF RESOURCES, THAT READY TO RETIRE PEOPLE HAVE FOR MEDICARE SUPPLEMENT PLAN?

>> WHAT KIND OF RESOURCES?

WELL, MEDICARE SUPPLEMENTAL PLANS, LIKE MEDICARE ADVANTAGE.

MEDICARE SUPPLEMENTAL PPP PLANS GOOD THING HAVE ORIGINAL MEDICARE AND SOMETHING TO SUPPLEMENT THAT ORIGINAL MEDICARE TO COVER THOSE GAPS.

MANY DIFFERENT SUPPLEMENTAL PLANS OUT THERE.

G IS, POPULAR.

N PLAN SECOND POPULAR.

G1, G PLAN PEOPLE LOOK AT.

ALL OF THOSE THINGS MATTER OF WHAT THEIR TOLERANCE IS IN TERMS OF HOW MUCH THEY'RE WILLING TO PAY.

>>Lauren: WE TALKED A LOT DIFFERENT RESOURCE AND PROGRAMS OUT THERE ARE.

ARE THERE ANY THAT WE DIDN'T MENTION THAT YOU WANT TO MAKE SURE OUR VIEWERS KNOW ABOUT?

ANYTHING THAT IS TOP OF MIND THAT YOU FIND TO BE VERY VALUABLE RESOURCE FOR OUR KUPUNA.

>> >> WELL, I THINK CATHOLIC CHARITIES GREAT JOB.

DIFFERENT PROGRAMS.

PROJECT DONNA, DO CARRY CAREGIVR TRAINING.

GIVE ME A BREAK.

SUPPORTS CAREGIVING.

GENERATION DIFFERENT THINGS FOR FAMILIES AND CAREGIVERS.

Y TREMENDOUS PROGRAM OUT THERE.

LANAKILA SENIOR CENTER LARGEST AND BUSIEST SENIOR CENTER IN THE STATE.

ALL OF THOSE.

I WOULD SAY FOR US, RETIRED SENIOR VOLUNTEER PROGRAM, RSVP, PROJECT THAT RECRUITS KUPUNA OLDER ADULTS AND TAPS INTO THEIR PASSIONS AND SKILL SET AND INTERESTS.

MATCHES THEM INTO VOLUNTEER OPPORTUNITIES AT NONPROFITS.

GOVERNMENT, DMV, I WOULD OFFER HIGHLIGHT THAT PROGRAM.

RETIRED SENIOR VOLUNTEER PROGRAM.

>>Lauren: IS THAT ANOTHER ONE OF THOSE TO GO TO WEBSITE HOW DO YOU SIGN UP.

>> ADMINISTER THAT PROGRAM.

EACH COUNTY HAS A RSVP PROGRAM.

I THINK OF KUPUNA COLLECTIVE.

NETWORK OF BRINGS AGENCIES THAT WORK WITH KUPUNA TOGETHER.

NOT NECESSARILY RESOURCE THAT INDIVIDUAL COULD SCROLL AND FIND SOMEONE EASILY.

BUT IT'S DEFINITELY A RESOURCE SO FOLKS KNOW THAT WE ARE WORKING TOGETHER COLLABORATE TIFLY INFORMAL AND FORMAL SETTINGS THROUGH THAT NET WORK.

>>Lauren: LAST TIPS COMES TO RETIRE YOU WANT TO MAKE SURE VIEWERS ARE AWARE OF BEFORE WE WRAP UP.

>> I'M BIG BELIEVER IN BEING PROUDLPROACTIVE.

EDUCATING YOURSELF.

GO TO WORKSHOPS TELL EVERYBODY JOIN AARP.

I WAS AARP MEMBER 43 I BELIEVE.

DON'T GET SERVICED UNTIL YOU'RE 50 A LOT OF GREAT WORKSHOPS OUT THERE.

READ PAPER READ MAGAZINES.

AND JUST EDUCATED YOURSELF.

BE PROACTIVE AND BE YOUR OWN ADVOCATE OUT THERE.

BECAUSE IT IS DIFFICULT.

I TOLD MY FAMILY, GET OLDER GOING TO GET HARDER.

WE NEED TO HAVE FAMILY AROUND US.

AND LISTEN TO WORKSHOP AND SHOWS LIKE THIS, FANTASTIC.

>>Lauren: JUST LET EVERYONE WEIGH IN.

AS YOU MENTIONED, EDUCATING YOURSELF ON RETIREMENT.

IS THERE ANYTHING THAT REALLY SURPRISED YOU IN THE EDUCATION PROCESS EVEN THOUGH YOU WOULD.

IN THE INDUSTRY, WHAT WAS THE MOST SURPRISING THING THAT MAYBE YOU LEARNED.

>> COST OF LONGTERM CARE.

BIG ONE.

I MENTIONED THIS MANY, MANY YEARS AGO.

LONGTERM CARE BE BIGGEST FINANCIAL AND SOCIAL CRISIS WE'RE TO GOING FACE THIS SENSORY.

EVERYONE IS GOING TO NEED CAREGIVER OR NEED CARE OURSELVES.

BIG BELIEVER WE HAVE TO START PLANNING FOR THAT.

HAVE COMPENSATION WHAT OUR FAMILY, WITH SPOUSES.

MEDICARE, MEDICAID GREAT.

SOCIAL SECURITY IS GREAT.

CAN'T DEPEND ON THAT.

BE YOUR OWN ADVOCATE.

AND FIND RESOURCES OUT THERE.

CALL CITY STATE AGENCIES JOIN THE Y.

>> I HAVE FEW THOUGHTS.

SO FIRST OF ALL, ISN'T IT GREAT WE'RE ALL AGING?

SECOND, YOU'RE NOT ALONE IN THIS PROCESS.

I WOULD EMPHASIZE.

THIRD, NO ONE GOING TO DO IT BUT.

YOU HAVE TO BE YOUR OWN ADVOCATE.

YOU HAVE TO BE BRAVE AND BOLD AND ASK LOTS OF QUESTIONS.

THERE'S NO SILLY QUESTION WHEN IT IS IN REGARD TO YOUR HEALTH HAND WELLNESS.

AND THEN FINALLY, LET'S DO IT.

GET OUT THERE AND DO IT.

>> I WANT TO MAKE SURE YOU GET O THERE.

EDUCATE YOURSELF.

MAKE SURE YOU FIND ALL PLANS OUT THERE.

MAKE SURE YOU SOCIALIZE, MAKE SURE YOU PLAN WELL.

>>Lauren: I'M GOING TO DOUBLE UP WITH HIS ENERGY SOMETIMES WHEN WE TALK ABOUT ABOUTTHE VIRTUAL TSUNAMI, LOOMIG NEGATIVE -- SILVER TSUNAMI, LOOMING ECONOMIC DRAIN HOVERING OVERALL OF US.

NEGATIVE AND DESPAIR LEAD TO PARALYSIS.

NOEL NOT GOING TO TRY I NOT GOING TO TRY.

SWITCH PARADIGM SO MUCH OPPORTUNITY DESPITE D CHALLENGES.

KUPUNA ARE A AWESOME.

TALENT, ENERGIZED WANTING TO GIVE BACK.

THAT WOULD BE MY SUGGESTION.

TAKE CARE OF YOURSELF NOW.

SO THAT YOU CAN GIVE BACK AND IN RETIREMENT.

THAT'S GOOD RECIPE FOR FULFILLMENT AND SATISFACTION.

WHEN WE TAKE IT AWAY FROM OURSELVES, WE LOOK FOR THE OPPORTUNITIES TO GIVE BACK TO OTHERS, A LOT OF FULFILLMENTS SATISFACTION AND TO MAYBE, JUST MAYBE POSITIVE HEALTH OUTER ISLANDS COMES.

>>Lauren: GOOD HEALTH OUTCOMES.

>>Lauren: PLUG FOR THE RESOURCES.

>> HAWAII ADRC.ORG.

AGING DISABILITY RESOURCE CENTER.

>>Lauren: THANK YOU SO MUCH.

THANK YOU TO ALL OF YOU FOR JOINING US TONIGHT.

THANK YOU FOR VIEWERS TUNING IN AND WRITING IN YOUR QUESTIONS.

AND WE THANK OUR GUESTS, CERTIFIED SENIOR ADVISOR PERCY IHARA AND EE SOO PAIK FROM THE YMCA OF HONOLULU., AND TRAVIS MOTOSUE FROM FINANCIAL BENEFITS INSURANCE AND DERRICK ARIYOSHI FROM THE CITY'S ELDERLY AFFAIRS DIVISION NEXT WEEK, OAHU'S JAIL UPDATE.

THE STATE IS PUTTING MILLIONS INTO PLANS FOR A NEW FACILITY, BUT NOT EVERY ONE SUPPORTS THE MOVE.

YET, WITH OVERCROWDING AND AGING FACILITIES SOMETHING NEEDS TO BE DONE.

SO WHAT OPTIONS ARE OUT THERE?

PLEASE JOIN US THEN.

I'M LAUREN DAY FOR INSIGHTS ON PBS HAWAII.

HAVE A GREAT NIGHT.

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