---
title: Retirement Security is Not Just about Money
date: 2024-11-12T11:50:00-05:00
author: Jonese Austin
canonical_url: "https://ourbodiesourselves.org/health-info/planning-to-retire-well"
section: Resources
---
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[Health & Sexuality Info](/health-info)# Retirement Security is Not Just about Money

In this webinar, Jacquelyn James, who works for the Center on Ageing and Work, discusses retirement security from a psychological perspective. Our understanding of retirement has changed over time. Today, retirement occurs gradually. People may retire and then return to work.

Retirement security is “the knowledge our lives continue to matter.” Retirement today is less about money than remaining useful and engaged and finding purpose at an older age. James highlights different theories that can shape our approach to aging and retirement: lifestyle changes theory, productivity theory, life stages theory, and SOC theory (which advises us to be careful what we select to do, optimize strength, and compensate for weaknesses).

James argues that older adults feel better and are healthier when they remain deeply engaged with work, volunteer activities, caregiving, and education. It is through engagement that we can find a purpose that transcends the self. This means we should focus on longevity planning that allows us to be engaged for longer. We must also institute policies such as job training programs that support longer engagement by older adults.

[Watch the video ](http://www.youtube.com/watch?v=_OoF4JMIy3g)

SOURCE: The First Church in Belmont Unitarian Universalist • AUTHOR: Jacquelyn James, Senior Advisor of Sloan Research Network on Aging at Boston College, Former Founding Director of the Center of Aging at Boston College • LAST UPDATED: September 13, 2022

![An older woman in a gray sweater and jeans with gray hair dances with her granddaughter who is standing on the couch in the living room](data:image/png;base64,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) [JenkoAtaman](https://stock.adobe.com/contributor/202725653/jenkoataman?load_type=author&prev_url=detail)/Adobe Stock

![](/assets/img/monogram.webp)Topics

- [ growing older](https://ourbodiesourselves.org/subject-area/growing-older)
- [ managing retirement](https://ourbodiesourselves.org/themes/managing-retirement)
- [retirement](https://ourbodiesourselves.org/tags/retirement)
- [aging](https://ourbodiesourselves.org/tags/aging)
- [economic inequalities](https://ourbodiesourselves.org/tags/economic-inequalities)

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[read more](https://ourbodiesourselves.org/why-you-can-trust-us)

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In this hour-long podcast episode, Dorian Mintzer and Louise Nayer discuss how to navigate the emotional side of retirement](https://ourbodiesourselves.org/health-info/emotional-planning-for-retirement)

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This factsheet provides tips for maintaining heart health, with a particular focus on LGBT older adults.](https://ourbodiesourselves.org/health-info/10-things-lgbt-heart-disease)

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## 2020 Report: Caregiving in the United States

A report on the demographics of caregivers in the United States, the nature of care work, caregiver stress/health, the financial impact of caregiving, and more.

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A report on the demographics of caregivers in the United States, the nature of care work, caregiver stress/health, the financial impact of caregiving, and more.](https://ourbodiesourselves.org/health-info/2020-report-caregiving-in-the-united-states)

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## Finding an LGBTQ+ Inclusive Long-Term Care Community

A guide for people seeking inclusive long-term care for LGBTQ+ elders.

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A guide for people seeking inclusive long-term care for LGBTQ+ elders.](https://ourbodiesourselves.org/health-info/a-guide-to-finding-an-lgbtqia-inclusive-long-term-care-community)

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## A National Paid Leave Program Would Help Workers, Families

The Center on Budget and Policy Priorities examines the benefits that would result from a national paid parental leave program.

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The Center on Budget and Policy Priorities examines the benefits that would result from a national paid parental leave program.](https://ourbodiesourselves.org/health-info/a-national-paid-leave-program-would-help-workers-families)

[ResourcesRead

## Affordable Housing Initiative for LGBTQ+ Older Adults

This site includes a resource library for housing for LGBTQ+ older adults and access to various reports on LGBTQ+ aging.

![cottonbro-studio-6929471](data:image/png;base64,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)

This site includes a resource library for housing for LGBTQ+ older adults and access to various reports on LGBTQ+ aging.](https://ourbodiesourselves.org/health-info/affordable-housing-initiative-for-lgbtq-elders)

[ResourcesRead

## Ageism and Heterosexism in African American LGBT Lives

This article tells the stories of LGBT African Americans, their very real problems around coming of age, and how those experiences shaped their lives as they grew older.

![Growing Older Final](data:image/png;base64,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)

This article tells the stories of LGBT African Americans, their very real problems around coming of age, and how those experiences shaped their lives as they grew older.](https://ourbodiesourselves.org/health-info/ageism-and-heterosexism-in-african-american-lgbtqi-lives)

[ResourcesRead

## Ageism Ignores and Insults the Competence of Adults

This article by Margaret Morganroth Gullette addresses the harm caused by ageism and “age shaming,” especially as it relates to assumptions about competence.

![pexels-kampus-production-8422703](data:image/png;base64,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)

This article by Margaret Morganroth Gullette addresses the harm caused by ageism and “age shaming,” especially as it relates to assumptions about competence.](https://ourbodiesourselves.org/health-info/ageism-ignores-and-insults-the-competence-of-adults)