My Biggest Retirement Mistake: Ignoring My Own Advice

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There was just one problem — she didn't listen to herself.", "mainEntityOfPage" : "https://www.aarp.org/benefits-discounts/members-only-access/info-2024", "speakable" : { "@type" : "SpeakableSpecification", "cssSelector" : [ "h1", "h2" ] }, "articleBody" : "When I was in my 30s, I obsessed over my personal investments. I second-guessed every decision, agonizing over when I should invest cash or sell stocks, constantly afraid I’d make the wrong move. I would buy when it felt safe (after the market went up) and sell when I got worried (after the market went down). This, of course, is a classic behavioral economic mistake, exactly the opposite of the way you are supposed to invest. And I knew this — I was a professional money manager who literally won an award for how I invested other people’s money. Somehow, I could never manage my own investments with the same rational process I used at work. This was par for the course. As I embarked on my career, I made just about every financial mistake I could have made when it came to shortchanging my future, retired self. It started soon after graduation. I ran up credit card debt, barely contributed to my retirement plan at work, and repeatedly splurged on big-ticket items that I never really used. (Hello, used baby grand piano!) When I left my first job, I cashed out of my retirement plan and spent the money on a move, blithely unaware that I would owe almost half of it in taxes and penalties. It didn’t get much better in my 30s. My husband and I were careful not to overspend when we bought our first house, but then we started a series of renovations that kept us juggling credit card bills, home equity loan repayments and childcare expenses for years. Only in my late 30s, when my employer, J.P. Morgan, asked me to focus on building and managing mutual funds for retirement savers, did I finally start figuring out what was going on. Discounting the future Basically, I’m not wired to save. I’m really bad at delaying gratification. I would have absolutely failed the marshmallow test as a kid. When I started diving into behavioral economics, studying why people act in ways that aren’t in their economic long-term interest, I realized I was far from alone in my struggles. There are dozens, if not hundreds, of ways people make costly, irrational financial decisions, like selling stocks in a panic when the market goes down. My biggest challenge? Future discounting — thinking that what would happen in the future was much less important that what was happening right now. Future discounting is what leads us to eat a second, or third, piece of cake and then hate the way our jeans fit. Or decide to watch “just one more episode” of a show, binge-watch four and then not get up in the morning for our run. Or buy what we want, when we want it. It’s one of the things that leads us to not save for retirement. It’s easy to discount the future when it comes to retirement saving. Most of us don’t intuitively understand the magic of compound returns. It’s hard for us to believe our savings will double every 10 years if they are invested at an average return of 7 percent. (The S&P 500 has averaged about 10 percent since its inception in the late 1950s.) It’s even harder to believe what happens after 30 or 40 years of compounding. When I was 25, I couldn’t imagine that the $800 I cashed out from my retirement plan would have been worth more than $24,000 by now if I had just left it invested it in my retirement plan’s S&P 500 index fund. Indeed, the entire concept of retirement seems unreal to us in our 20s and 30s. Research by Hal Hershfield, a professor at UCLA’s Anderson School of Management, shows that we don’t see the future selves we are saving for as us — our brains see that future self as a stranger. That makes it even harder to deny ourselves something we want right now, right in front of us. Who wants to give their money to a total stranger instead? ‘I had to get out of my own way’ Understanding that I was a walking, talking, textbook case of so many behavioral economics factors was huge. I developed several financial hacks and rules for myself — some borrowed from research I and others were doing and some that I figured out on my own. The rules basically boil down to three things. First, I had to get out of my own way. I had to create guardrails around my financial habits and make fewer decisions about what to do with my money, because I made the “wrong” decision more often than I liked. Second, I needed to figure out a way to make the decisions I did make more tangible, to connect them to some benefit other than doing or acquiring something I wanted right then. Finally — and this is still very much a work in progress for me — I needed to learn how to say no to myself, and to live with the discomfort I feel when I do. One key hack is to automate your saving, as much as you can. This makes saving relatively painless, since you don’t have to actively decide to save (and won’t stress over not saving, or not doing it the right way). Many companies with 401(k) plans do this when you start working for them, enrolling you automatically and annually increasing your saving rate, unless you opt out. If you don’t have access to a workplace plan, you can set up automatic contributions to an IRA or investment account, timed to coincide with when you get paid. It also helps to automate your investments. Again, 401(k) plans often do this by enrolling participants in a target date fund, which automatically rebalances your investments as you age (for example, moving money from stocks to bonds to reduce risk), based on your expected retirement date. With a target date fund, you don’t get caught in a cycle of greed and fear that can warp investment decisions. A 2021 Morningstar study found that over the previous decade, individual investors earned 1.7 percentage points less in returns per year, on average, than the funds they invested in, because individuals had a tendency to buy when it felt safe (in a bull market) and sell when it felt scary (in a bear market). Automating your investments, whether it’s through a particular type of fund or by offloading the job to a financial adviser, helps keep you on track during periods of market volatility. Remember, markets don’t go up all the time, but they do go up over time. I ended up moving all our personal savings into the strategies I managed at work and loved the mental freedom that gave me. How many windows? Another trick I learned is to make the trade-off between what we are saving for and our current spending more tangible. For example, my husband and I are serial house remodelers, which can take a huge bite out of retirement savings. Yes, our house is worth more than it would have been without the renovations, but that money is locked up in the house until we decide to sell it. After years of borrowing money to finance projects, we finally decided that we had to save up ahead of each project. That got our month-to-month spending under control. The most helpful trick? When I was tempted to buy something for myself, I translated the cost into something on the renovation list. Our house, a Victorian built in 1906, had 56 original windows, so for a while I compared everything to the cost of replacing them. A new suit for work? That’s half a window! The last big thing I’ve been working on is living with the discomfort I feel when I want something and can’t have it. You’d think that after 60 years on this planet I would have gotten my arms around this one, but it’s still excruciating for me, whether it’s turning down a second helping of dessert or passing on a new pair of shoes that I don’t need but oh, they fit so perfectly. A friend gave me a helpful way to frame this: Think about the discomfort you experience sitting in a middle seat on a long flight. Sure, you’d rather have a window or aisle seat (or better yet, a fancy seat up front!), but it’s absolutely something you can tolerate. That helps. So does trying to remove as much temptation as I can. If the dessert isn’t in the house, I can’t eat it. If I don’t go to my favorite shoe store, I’m not tempted to try something on. It took a me number of years, and more than one false start, to get my financial house in order. And in many ways, it’s still a work in progress. Because I didn’t save enough when I was in my 20s and 30s, having a comfortable retirement means that I need to earn some income into my 70s. I’m lucky that this is an option for me, and luckier still that it is work I enjoy. I’ve also embraced a very powerful lesson: Forgive yourself for past mistakes and know that you can accept where you are and keep making it better.", "image" : [ "https://aarp.widen.net/content/tggkqbvrtn/jpeg/Anselm_RETIREMENT_01.jpg?crop=true&anchor=10,196&q=80&color=ffffffff&u=k2e9ec&w=2027&h=1164" ], "author" : [ { "@type" : "Person", "name" : "Anne Lester" } ], "publisher" : { "@type" : "Organization", "name" : "AARP", "url" : "https://www.aarp.org/", "description" : "AARP is a nonprofit, nonpartisan organization that empowers people to choose how they live as they age.", "logo" : { "@type" : "ImageObject", "url" : "https://cdn.aarp.net/content/dam/aarp/graphics/aarp_logos/120x30-aarp-header-logo-red.svg" }, "sameAs" : [ "https://www.facebook.com/AARP", "https://twitter.com/AARP/", "https://www.instagram.com/aarp/?hl=en", "https://www.linkedin.com/company/aarp/" ] }, "datePublished" : "2024-08-27T16:34:00+0000" } </script> <script src='//assets.adobedtm.com/bbdf17838fe5/9efb70bd9030/launch-2ca47765dc2d.min.js' async></script> </head> <body class="articlePage page basicpage" id="articlePage-4bdf68f557"> <a href='#aarp-u-end-of-header' class="aarp-u-invisible">Skip to content</a> <div class="aarp-c-body-wrapper aarp-o-edit-mode-false aarp-o-body uxdia-c-paywall-enabled"> <div id="aarp-c-body"> <div class="root container responsivegrid uxdia-u-base-article-v2"> <div id="container-67e5a8f708" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid uxdia-u-bg-ads--utility-medium-grey uxdia-o-grid-container uxdia-o-grid-container@mobile @tablet uxdia-o-grid-container@laptop uxdia-o-grid-container@large-laptop uxdia-o-grid-container@larger-laptop aem-GridColumn aem-GridColumn--default--12"> <div id="container-5ecdfed710" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="advertisement parbase aem-GridColumn aem-GridColumn--default--12"> <div aria-hidden="true" class="aarpe-ad-wrapper"> <div class="aarpe-ad en clearfix" id="leader_88585" data-adsize="leader"> <script type="text/javascript"> if(typeof AARP.ads !== 'undefined'){ AARP.ads.slots({ id:'leader_88585', size:'leader'}); } </script> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-o-header aarp-c-alert-bar-homepage__wrapper aem-GridColumn aem-GridColumn--default--12"> <div id="container-fd9b236771" class="cmp-container"> <div class="uxdiaCacheableXF experiencefragment aarp-c-alert-bar--uxdia-theme aarp-c-alert-bar--uxdia-theme@tablet aarp-c-alert-bar--uxdia-theme@mobile"><div data-cmp-paywall-pageTitle="My Biggest Retirement Mistake: I Didn’t Follow My Own Advice" data-cmp-membersonlyaccess="true" id="uxdiaCacheableXF-1561985ce8" class="cmp-experiencefragment cmp-experiencefragment--alert-bar-single-state"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="alertBar aem-GridColumn aem-GridColumn--default--12"> <div class="alert-bar--open"> <div class="aarp-c-alert-bar aarp-c-alert-bar@desktop aarp-c-alert-bar@tablet aarp-c-alert-bar@mobile "> <div class="aarp-c-alert-bar__container aarp-c-alert-bar__container@desktop aarp-c-alert-bar__container@tablet aarp-c-alert-bar__container@mobile"> <div class="aarp-c-alert-bar__column aarp-c-alert-bar__column-left"> <div id="text-d1c3f2e63d" class="cmp-text"> <p><a title="what's hidden in your smartphone" href='https://www.aarp.org/home-family/personal-technology/discover-smartphone-tools/?intcmp=ADS-ALRT-SMRTPHN-HIDDEN' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/alert-bar/alert-bar-single-state/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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A different privacy policy and terms of service will apply.');return false;" title="Login to AARP" href='https://secure.aarp.org/applications/user/login' data-analyticsevent="GLOBAL-HDR-LNK-CLK-LOGIN-DEFAULT" data-formelementid="GLOBAL-HDR-LNK-CLK-LOGIN-DEFAULT">Login</a></p> </div>    </div>  </div>  </div> </section> <section class="aarp-c-linked-dropdown--header"> <div class="header-login-2 navigationLinks uxdia-c-user-state__element uxdia-c-user-state__element-userData">   <div class="aarp-c-linked-dropdown aarp-c-linked-dropdown@tablet aarp-c-linked-dropdown--light">  <div class="aarp-c-linked-dropdown__dropdown">  <span class="aarp-c-linked-dropdown__main-text"><p>Hi, %{firstName}%</p></span>   <div class="aarp-c-linked-dropdown__label aarp-c-linked-dropdown__arrow-open" aria-controls="aarp-c-linked-dropdown__control--96599379" role="button" tabindex="0" aria-expanded="false" aria-hidden="false"> </div>   <ul class="aarp-c-linked-dropdown__link-list 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href='https://secure.aarp.org/account/editnewsletter' data-formelementid="GLOBAL-HDR-LNK-CLK-NEWSLETTER" target="_self">Newsletters </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://secure.aarp.org/applications/user/auth?intcmp=MOJO-EXP-UXDIA-HEADER&referrer=https://appsec.aarp.org/mem/cardboarding?flow=o-a-2-t-i-w-y-r-m-e-td-9-s-n-w2-h-u-xs-p-db-1-d%20' data-formelementid="GLOBAL-HDR-LNK-CLK-CUSTOMIZE_MEMBERSHIP" target="_self">Customize Your Membership </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://community.aarp.org' data-formelementid="GLOBAL-HDR-LNK-CLK-COMMUNITY" target="_self">Community </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link " href='https://stayingsharp.aarp.org/' data-formelementid="GLOBAL-HDR-LNK-CLK-STAYINGSHARP" target="_self">Staying Sharp </a> </li> <li class="aarp-c-linked-dropdown__link-list-normal-item"> <a class="aarp-c-linked-dropdown__link-list-link aarpe-clear-storage" href='https://secure.aarp.org/applications/user/logout/logout' data-formelementid="GLOBAL-HDR-LNK-CLK-LOGOUT" target="_self">Logout </a> </li> </ul>  </div>  </div>  </div> </section>  <div class="aarp-c-header-modal--search"> <section class="aarp-c-search aarp-c-search--homepage aarp-c-search--homepage@desktop aarp-c-search-form-container__trigger--closed">  <div class="aarp-c-search__button aarp-c-search__button--open" aria-expanded="false" aria-label="Open Search" tabindex="0" data-post-activate-focus=".aarp-c-search__search-input" aria-live="polite" role="button" aria-controls="search-header-button" data-formelementid="SEARCH-BTN-CLK-SEARCH-MODAL-OPEN">  <div class="aarp-c-search-icon-wrapper"> <div class="aarp-c-search-icon"> <div class="aarp-c-search-icon__circle"></div> <div class="aarp-c-search-icon__rectangle"></div> </div> </div> </div>  </section> <script> var url= 'https://platform.cloud.coveo.com/rest/search/v2/querySuggest'; var count='10'; var access_token='xx68156512-8de1-411c-b7d4-e57dc85bea29'; var organizationId='aarpu11lxv0p'; AARP.Everywhere.searchQueryUri = url +'?pipeline=default&count='+count+'&access_token='+access_token+'&organizationId='+organizationId; AARP.Everywhere.endecaSearchUrl = "https://www.aarp.org/search/"; AARP.Everywhere.endecaSearchUrlInternalTracking = " ?Intcmp=GLOBAL-HDR-LNK-CLK-SEARCH-UXDIA"; </script>  </div> </nav> </div> <span class="aarp-u-loyalty-plus-switch aarp-u-invisible" data-is-loyalty-plus="false"></span> <span id="aarp-u-end-of-header" class="aarp-u-invisible">Content starts here</span> </div> </div> <div class="searchModal aem-GridColumn aem-GridColumn--default--12">  <div id="searchModal" class="search-modal">  <div class="search-modal__content"> <div class="search-modal__header"> <span class="close" 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Topics","dropDownValue":"everywhere"},{"dropDownLabel":"Entertainment","dropDownValue":"entertainment"},{"dropDownLabel":"Health","dropDownValue":"health"},{"dropDownLabel":"Money","dropDownValue":"money"},{"dropDownLabel":"Policy & Research","dropDownValue":"research"},{"dropDownLabel":"Travel","dropDownValue":"travel"},{"dropDownLabel":"Work","dropDownValue":"work"},{"dropDownLabel":"Member Benefits","dropDownValue":"member benefits"},{"dropDownLabel":"Caregiving","dropDownValue":"caregiving"},{"dropDownLabel":"Rewards","dropDownValue":"rewards"},{"dropDownLabel":"Videos","dropDownValue":"videos"} </textarea> </div></div> </div> <div class="search-inputbox__container"> <input class="search-modal__inputbox" type="text" placeholder="What can we help you find?" aria-label="What can we help you find?"/> </div> <div class="search-button__container"> <button class="search__button" data-formelementid="SEARCH-BTN-CLK-MODAL" onClick="s_objectID='SEARCH-BTN-CLK-MODAL';"><span 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onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS3';" href='https://games.aarp.org/games/daily-crossword'>AARP daily Crossword Puzzle </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS4" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS4';" href='https://www.aarp.org/membership/benefits/hotels/?intcmp=DSO-HDR-BENEFITS-EWHERE'>Hotels with AARP discounts </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS5" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS5';" href='https://www.aarp.org/membership/benefits/insurance/life/?intcmp=DSO-HDR-BENEFITS-EWHERE'>Life Insurance </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS6" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS6';" data-url="/content/aarpe/en/home/membership/benefits/insurance/delta-dental/_jcr_content/.dataview.json" data-modal-url="/benefits-discounts/all/delta-dental.modalview" data-target="offers-modal" data-formelementid="MEM-BEN-CLK-WIDGET-delta-dental" data-offerid="delta-dental" data-brand="Delta Dental | AARP® Dental Insurance Plan administered by Delta Dental Insurance Company" data-categoryid="Health & Wellness,Insurance" data-subcategoryid="Healthcare" data-lineofbusiness="ASI healthcare" data-asicategory="ASI Healthcare & Insurance" data-offertype="discount" data-offertiming="anytime" href="/membership/benefits/insurance/delta-dental/">AARP Dental Insurance Plans </a> </p> <p class="search-popular__links"><span class="popular-search__icon"></span> <a data-formelementid="SEARCH-POPULAR-SEARCHES-MODAL-POS7" onclick="s_objectID='SEARCH-POPULAR-SEARCHES-MODAL-POS7';" href='https://www.aarp.org/travel/'>Travel </a> </p> </div> </div> <div class="search-modal-body-suggested__section"> <div class="search-popular__heading" role="heading" aria-level="3">Suggested Links</div> <div class="search-suggestedlink-button__wrapper"> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS1" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS1';" href='https://help.aarp.org/s/' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Help</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS2" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS2';" href='https://help.aarp.org/s/article/show-me-my-account-info' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Show me my account info</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS3" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS3';" href='https://help.aarp.org/s/article/i-want-to-change-my-address' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Change my Address</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS4" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS4';" href='https://help.aarp.org/s/article/contact-aarp' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">How do I contact AARP?</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS5" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS5';" href='https://help.aarp.org/s/article/where-is-my-membership-card' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">Where is my membership card?</span> <span class="search-arrow"></span> </a> <a data-formelementid="SEARCH-SUGGESTED-LINKS-MODAL-POS6" onclick="s_objectID='SEARCH-SUGGESTED-LINKS-MODAL-POS6';" href='https://help.aarp.org/s/article/how-do-i-access-my-aarp-digital-card-via-aarp-now-app' class="search-suggestedlink__button" role="button"> <span class="search-suggestedlink-button__text">How do I get a digital card?</span> <span class="search-arrow"></span> </a> </div> </div> </div> <div class="search-modal__footer"> <div class="search-c-fullwidth-membership-promo__container search-c-fullwidth-membership-promo__container@tablet search-c-fullwidth-membership-promo__container@mobile"> <div class="search-c-fullwidth-membership-promo__inner-container search-c-fullwidth-membership-promo__inner-container@tablet search-c-fullwidth-membership-promo__inner-container@mobile"> <section><div class="experiencefragment section"> <div class="xf-content-height"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase 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class="cmp-image__image cmp-image__image@tablet" src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/features/membership/header-search-membership-promo/default/anonymous/_jcr_content/root/responsivegrid/container_copy/container/articleimage.coreimg.75.1140.png/content/dam/aarp/uxdia/icons/membership-card-with-shadow.png" alt="Red Membership Card " title="Red Membership Card " width="304" height="210" loading="eager"/> </picture> <meta itemprop="caption" content="Red Membership Card "/> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-fullwidth-membership-promo__title-container uxdia-c-fullwidth-membership-promo__title-container@tablet uxdia-c-fullwidth-membership-promo__title-container@mobile aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--tablet--8 aem-GridColumn--default--6 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-c21a5cd586" class="cmp-container"> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile"> <div id="text-cd3b8c671e" class="cmp-text"> <p>AARP MEMBERSHIP</p> </div> </div> <div class="text aarp-category-text uxdia-hotdeals--heading uxdia-u-body-regular uxdia-u-color--secondary-color-pebble"> <div id="text-48528b78c4" class="cmp-text"> <p>AARP Membership — $12 for your first year when you sign up for Automatic Renewal</p> <p>Get instant access to members-only products, hundreds of discounts, a free second membership, and a subscription to AARP the Magazine. </p> <p> </p> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-fullwidth-membership-promo__button-container uxdia-c-fullwidth-membership-promo__button-container@tablet uxdia-c-fullwidth-membership-promo__button-container@mobile aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 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id="button-86439b730d-1731425498135" class="cmp-button" aria-label="Renew Now" href='https://join.aarp.org/orgisrenew'> <span class="cmp-button__text">Renew Now</span> </a> </div> </div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </div> </div> </div></div> </div> </div> </div> </section> </div> </div> </div> </div> </div></div> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="Target" id="uxdiaCacheableXF-d8753b8af7" class="cmp-experiencefragment cmp-experiencefragment--mega-menu"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu uxdia-c-megamenu@tablet uxdia-c-megamenu@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid/responsivegrid/responsivegrid/uxdia_help.coreimg.75.276.png/content/dam/aarp/uxdia/icons/help.png" alt="the help icon" title="Help icon" width="128" height="128"/> </picture> </a> <meta itemprop="caption" content="Help icon"/> </div> </div> <div class="headerSearchToOpenModal aem-GridColumn aem-GridColumn--default--12"> <section class="aarp-c-search aarp-c-search--homepage aarp-c-search--homepage@desktop aarp-c-search-form-container__trigger--closed">  <div class="aarp-c-search__button aarp-c-search__button--open" aria-expanded="false" aria-label="Open Search" tabindex="0" data-post-activate-focus=".aarp-c-search__search-input" aria-live="polite" role="button" aria-controls="search-header-button" data-formelementid="SEARCH-BTN-CLK-SEARCH-MODAL-OPEN">  <div class="aarp-c-search-icon-wrapper"> <div class="aarp-c-search-icon"> <div class="aarp-c-search-icon__circle"></div> <div class="aarp-c-search-icon__rectangle"></div> </div> </div> </div>  </section> <script> var url= 'https://platform.cloud.coveo.com/rest/search/v2/querySuggest'; var count='10'; var access_token='xx68156512-8de1-411c-b7d4-e57dc85bea29'; var organizationId='aarpu11lxv0p'; AARP.Everywhere.searchQueryUri = url +'?pipeline=default&count='+count+'&access_token='+access_token+'&organizationId='+organizationId; AARP.Everywhere.endecaSearchUrl = "https://www.aarp.org/search/"; AARP.Everywhere.endecaSearchUrlInternalTracking = ""; </script>  </div> <div class="svgTag uxdia-c-megamenu--close uxdia-c-megamenu--close@desktop uxdia-c-megamenu--close@tablet aem-GridColumn aem-GridColumn--default--12"> <svg width="60" height="60" viewBox="0 0 60 60" fill="none" xmlns="http://www.w3.org/2000/svg"> <rect width="60" 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class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="we-tabs aem-GridColumn aem-GridColumn--default--12"> <div id="megamenu-c86cc6330f" class="cmp-tabs" data-cmp-is="tabs" data-placeholder-text="false"> <div class="uxdia-c-megamenu--tabs"> <ol role="tablist" class="cmp-tabs__tablist" aria-multiselectable="false"> <li role="tab" id="megamenu-c86cc6330f-item-988e95e2af-tab" class="cmp-tabs__tab uxdia-homepage-right_container cmp-tabs__tab--active" aria-controls="megamenu-c86cc6330f-item-988e95e2af-tabpanel" tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span">right_container</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-165814d603-tab" data-cmp-url="/content/aarpe/en/home/health" class="cmp-tabs__tab uxdia-homepage-health " aria-controls="megamenu-c86cc6330f-item-165814d603-tabpanel" data-megamenu-cmp-url='/health/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/health/'>Health</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-b4a99a59e4-tab" data-cmp-url="/content/aarpe/en/home/money" class="cmp-tabs__tab uxdia-homepage-money " aria-controls="megamenu-c86cc6330f-item-b4a99a59e4-tabpanel" data-megamenu-cmp-url='/money/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/money/'>Money</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-361c4ae95a-tab" data-cmp-url="/content/aarpe/en/home/work" class="cmp-tabs__tab uxdia-homepage-work-&-jobs " aria-controls="megamenu-c86cc6330f-item-361c4ae95a-tabpanel" data-megamenu-cmp-url='/work/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/work/'>Work & Jobs</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-fb851cf053-tab" data-cmp-url="/content/aarpe/en/home/retirement/social-security" class="cmp-tabs__tab uxdia-homepage-social-security " aria-controls="megamenu-c86cc6330f-item-fb851cf053-tabpanel" data-megamenu-cmp-url='/retirement/social-security/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/retirement/social-security/'>Social Security</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-b3ff7c4fc1-tab" data-cmp-url="/content/aarpe/en/home/health/medicare-insurance" class="cmp-tabs__tab uxdia-homepage-medicare " aria-controls="megamenu-c86cc6330f-item-b3ff7c4fc1-tabpanel" data-megamenu-cmp-url='/health/medicare-insurance/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/health/medicare-insurance/'>Medicare</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-539b4cc3dc-tab" data-cmp-url="/content/aarpe/en/home/caregiving" class="cmp-tabs__tab uxdia-homepage-caregiving " aria-controls="megamenu-c86cc6330f-item-539b4cc3dc-tabpanel" data-megamenu-cmp-url='/caregiving/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/caregiving/'>Caregiving</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-af7a76ab3f-tab" data-cmp-url="/content/aarpe/en/home/games" class="cmp-tabs__tab uxdia-homepage-games " aria-controls="megamenu-c86cc6330f-item-af7a76ab3f-tabpanel" data-megamenu-cmp-url='/games/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/games/'>Games</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-8d2b7b3de7-tab" data-cmp-url="/content/aarpe/en/home/travel" class="cmp-tabs__tab uxdia-homepage-travel " aria-controls="megamenu-c86cc6330f-item-8d2b7b3de7-tabpanel" data-megamenu-cmp-url='/travel/' tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span" data-megamenu-cmp-url='/travel/'>Travel</span> </li> <li role="tab" id="megamenu-c86cc6330f-item-dd27f71d94-tab" class="cmp-tabs__tab uxdia-homepage-more... cmp-tabs__tabpanel--more " aria-controls="megamenu-c86cc6330f-item-dd27f71d94-tabpanel" tabindex="0" data-cmp-hook-tabs="tab">  <span class="cmp-tabs__span">More...</span> </li> </ol> </div> <div id="megamenu-c86cc6330f-item-988e95e2af-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-988e95e2af-tab" tabindex="0" class="cmp-tabs__tabpanel right_container cmp-tabs__tabpanel--shown cmp-tabs__tabpanel--active" data-cmp-hook-tabs="tabpanel"><div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-e9926ae2a7" class="cmp-container"> <div class="text uxdia-u-subtitle-3 uxdia-u-color--primary-color-ink-black"> <div id="text-ec4430f7eb" class="cmp-text"> <p><a title="Link to spanish homepage" href='https://www.aarp.org/espanol/' data-cmp-clickable data-cmp-data-layer="{"text-ec4430f7eb-link-964a25791b":{ "xdm:linkURL" : "https://www.aarp.org/espanol/", "@type" : "uxdia/components/content/text/link", "dc:title" : "AARP en Español" }}">AARP en Español</a></p> </div> </div> <div class="uxdia-help articleimage image uxdia-help-en"> <div data-asset-id="c1ac62c6-a4fb-4bf1-b959-550b05fa7534" id="image-3fa9f33322" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <a class="cmp-image__link" href='https://help.aarp.org/s/?intcmp=AE-HP-HDR-HELP'> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" 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data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1663661439464/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_825176922.coreimg.50.276.png/content/dam/aarp/health/conditions_treatments/2024/09/1140-vaccine-pkg-promo.png" 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uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/money/scams-fraud/tracking-map/'> View and Report Scams in Your Area</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/money/taxes/aarp_taxaide/' data-formelementid="TILE_CLK-MONEY-TAX_AIDE" aria-label="Free Tax Preparation Assistance" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a 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</div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">AARP Foundation Tax-Aide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/money/taxes/aarp_taxaide/'> Free Tax Preparation Assistance</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/retirement/retirement-calculator/' data-formelementid="TILE_CLK-MONEY-MONEY_MAP" aria-label="AARP Retirement Calculator" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/retirement/retirement-calculator/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="AARP Retirement Calculator"> <div class="uxdia-c-featured-tile__image"> <div id="image-9555fee946" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/syxnp2yhn4/jpeg/AARP_Sit_Final2.jpg?crop=true&anchor=3,50&q=80&color=ffffffff&u=oymmsj&w=2039&h=1171" data-src='https://aarp.widen.net/content/syxnp2yhn4/jpeg/AARP_Sit_Final2.jpg?crop=true&anchor=3,50&q=80&color=ffffffff&u=oymmsj&w=2039&h=1171' alt width="2039" height="1171"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Retirement</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/retirement/retirement-calculator/'> AARP Retirement Calculator</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html' data-formelementid="TILE_CLK-MONEY-MOA-MAKE_APPLIANCES_LAST" aria-label="25 Ways to Save at the Grocery Store" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="25 Ways to Save at the Grocery Store"> <div class="uxdia-c-featured-tile__image"> <div id="image-1929b9bcd2" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/q60kl87qwu/jpeg/77561-illo01-main.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=alkyaq&w=1140&h=655" data-src='https://aarp.widen.net/content/q60kl87qwu/jpeg/77561-illo01-main.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=alkyaq&w=1140&h=655' alt width="1140" height="655"/> </picture> </div> </div> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">MEMBERS ONLY</span> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Your Money</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/benefits-discounts/members-only-access/info-2024/ways-to-save-at-the-supermarket.html'> 25 Ways to Save at the Grocery Store</a> </p>   <div class="uxdia-c-featured-tile__moa-badge-wrapper uxdia-c-featured-tile__moa-badge-wrapper@tablet uxdia-c-featured-tile__moa-badge-wrapper@mobile"> <span class="uxdia-c-featured-tile__moa-badge-icon"></span><span class="uxdia-c-featured-tile__moa-badge-title">MEMBERS ONLY</span> </div> <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-361c4ae95a-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-361c4ae95a-tab" tabindex="0" class="cmp-tabs__tabpanel Work & Jobs " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-3761eeef84" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button nuxdia-c-megamenu-back--button@tablet uxdia-c-megamenu-back--button@desktop aem-GridColumn aem-GridColumn--default--12"> <div id="text-af417763b9" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-af417763b9-link-c513977844":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-436850fc6f" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/' data-analyticsevent="LNK_CLK-WORK" data-formelementid="LNK_CLK-WORK" title="Link to work channel page" data-cmp-clickable data-cmp-data-layer="{"text-436850fc6f-link-7211de3f6d":{ "xdm:linkURL" : "/content/aarpe/en/home/work.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Work & Jobs" }}">Work & Jobs</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-cf143eb41f" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-cf143eb41f-link-439066d2c8":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-0abb5445ff" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ae1d3d2e58" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/job-search/' data-analyticsevent="BTN_CLK-WORK-JOB_SEARCH" data-formelementid="BTN_CLK-WORK-JOB_SEARCH" title="Link to job search landing page" data-cmp-clickable data-cmp-data-layer="{"text-ae1d3d2e58-link-0b57ef924e":{ "xdm:linkURL" : "/content/aarpe/en/home/work/job-search.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Job Search" }}">Job Search</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-d7e21038ba" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/careers/' data-analyticsevent="BTN_CLK-WORK-CAREERS" data-formelementid="BTN_CLK-WORK-CAREERS" title="link to the careers landing page" data-cmp-clickable data-cmp-data-layer="{"text-d7e21038ba-link-74f3ce8a9e":{ "xdm:linkURL" : "/content/aarpe/en/home/work/careers.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Careers" }}">Careers</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-27cbdcd940" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/small-business/' data-analyticsevent="BTN_CLK-WORK-SMALL_BUSINESS" data-formelementid="BTN_CLK-WORK-SMALL_BUSINESS" title="link to small business landing page" data-cmp-clickable data-cmp-data-layer="{"text-27cbdcd940-link-55ce7a7792":{ "xdm:linkURL" : "/content/aarpe/en/home/work/small-business.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Small Business" }}">Small Business</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-620307c790" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/employers/' data-analyticsevent="BTN_CLK-WORK-EMPLOYERS" data-formelementid="BTN_CLK-WORK-EMPLOYERS" title="Link to the employers landing page" data-cmp-clickable data-cmp-data-layer="{"text-620307c790-link-f8bd00ecf6":{ "xdm:linkURL" : "/content/aarpe/en/home/work/employers.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Employers" }}">Employers</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-80c3a4cac3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/work/age-discrimination/' data-analyticsevent="BTN_CLK-WORK-AGE_DISCRIMINATION" data-formelementid="BTN_CLK-WORK-AGE_DISCRIMINATION" title="Link to the age discrimination landing page" data-cmp-clickable data-cmp-data-layer="{"text-80c3a4cac3-link-bc97f305ec":{ "xdm:linkURL" : "/content/aarpe/en/home/work/age-discrimination.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Age Discrimination" }}">Age Discrimination</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-fe027201ab" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/work/job-search/freelance-jobs-hiring-now/' data-formelementid="TILE_CLK-WORK-10_PARTTIME_JOBS_TO_BEAT_INFLATION" aria-label="Freelance Jobs You Can Do From Home" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/work/job-search/freelance-jobs-hiring-now/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Freelance Jobs You Can Do From Home"> <div class="uxdia-c-featured-tile__image"> <div id="image-08bf19a9ca" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/7s4er3qcrq/jpeg/GettyImages-1401269015.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1362" data-src='https://aarp.widen.net/content/7s4er3qcrq/jpeg/GettyImages-1401269015.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1362' alt width="2048" height="1362"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Flexible Work</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/work/job-search/freelance-jobs-hiring-now/'> Freelance Jobs You Can Do From Home</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/work/skills-builder/' data-formelementid="TILE_CLK-WORK-AARP_SKILLS_BUILDER" aria-label="Online Courses to Boost Your Career" target="_self"> <div 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data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/dkv1c963gm/jpeg/Megamenu-Basics-GettyImages-1887469182.jpg?crop=true&anchor=1,6&q=80&color=ffffffff&u=mh5igy&w=2048&h=1177" data-src='https://aarp.widen.net/content/dkv1c963gm/jpeg/Megamenu-Basics-GettyImages-1887469182.jpg?crop=true&anchor=1,6&q=80&color=ffffffff&u=mh5igy&w=2048&h=1177' alt width="2048" height="1177"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Basics</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/retirement/social-security/info-2020/social-security-questions-answered.html'> 10 Top Social Security FAQs</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/retirement/social-security/benefits-calculator/' data-formelementid="TILE_CLK-SOCIAL_SECURITY-BENEFITS_CALCULATOR" aria-label="Social Security Benefits Calculator" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/retirement/social-security/benefits-calculator/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Social Security Benefits Calculator"> <div class="uxdia-c-featured-tile__image"> <div id="image-fa37b109d7" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/zrmxads4zm/jpeg/MegaMenu-Tools-PeteRyan.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=mh5igy&w=2048&h=1237" 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uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-b3ff7c4fc1-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-b3ff7c4fc1-tab" tabindex="0" class="cmp-tabs__tabpanel Medicare " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> 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data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-280ba0cc5b-link-6d290279d7":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-6472513085" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/health/medicare-insurance/' data-analyticsevent="LNK_CLK-MEDICARE" data-formelementid="LNK_CLK-MEDICARE" data-cmp-clickable data-cmp-data-layer="{"text-6472513085-link-0324a4fda9":{ "xdm:linkURL" : "/content/aarpe/en/home/health/medicare-insurance.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Medicare" }}">Medicare</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-e079d5ad6d" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-e079d5ad6d-link-0651559e60":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-3c0d856add" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" 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uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Enrollment Guide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/health/medicare-insurance/enrollment-guide/'> Step-by-Step Tool for First-Timers</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/health/medicare-insurance/info-2022/prescription-drug-coverage-changes.html' data-formelementid="TILE_CLK-MEDICARE-9_RX_NEW_LAW_CHANGES" aria-label="9 Biggest Changes Under New Rx Law " target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/health/medicare-insurance/info-2022/prescription-drug-coverage-changes.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="9 Biggest Changes Under New Rx Law "> <div class="uxdia-c-featured-tile__image"> <div id="image-ed1855c6e6" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/qz0sxiwyyp/jpeg/AARP-A.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=oymmsj&w=2048&h=1177" data-src='https://aarp.widen.net/content/qz0sxiwyyp/jpeg/AARP-A.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=oymmsj&w=2048&h=1177' alt width="2048" height="1177"/> </picture> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Prescription Drugs</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet 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class="cmp-tabs__tabpanel Games " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-18c7406955" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-889bc2a40a-link-1207ac2dbf":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-e3d6eef272" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/' data-analyticsevent="LNK_CLK-GAMES" data-formelementid="LNK_CLK-GAMES" data-cmp-clickable data-cmp-data-layer="{"text-e3d6eef272-link-271ec924c2":{ "xdm:linkURL" : "https://www.aarp.org/games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Games" }}">Games</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-e90992e092" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" title="Link to close menu" data-cmp-clickable data-cmp-data-layer="{"text-e90992e092-link-539bcb74f4":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-b3ada8f613" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-4bd0c38b0a" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/all-games/' data-analyticsevent="BTN_CLK-GAMES-ALL" data-formelementid="BTN_CLK-GAMES-ALL" title="Link to the AARP All Games landing page" data-cmp-clickable data-cmp-data-layer="{"text-4bd0c38b0a-link-bbf5ec1439":{ "xdm:linkURL" : "https://www.aarp.org/games/category/all-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "All" }}">All</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-221f36f3b3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" rel="noreferrer" href='https://games.aarp.org/category/recently-played' target="_blank" data-analyticsevent="BTN_CLK-GAMES-RECENT" data-formelementid="BTN_CLK-GAMES-RECENT" title="Link to AARP recently played games" data-cmp-clickable data-cmp-data-layer="{"text-221f36f3b3-link-77a64dfd44":{ "xdm:linkURL" : "https://games.aarp.org/category/recently-played", "@type" : "uxdia/components/content/text/link", "dc:title" : "Recently Played" }}">Recently Played</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2eaf0667d1" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/word/' data-analyticsevent="BTN_CLK-GAMES-WORD_TRIVIA" data-formelementid="BTN_CLK-GAMES-WORD_TRIVIA" title="Link to AARP Games Word and Trivia category landing page" data-cmp-clickable data-cmp-data-layer="{"text-2eaf0667d1-link-6329ea6792":{ "xdm:linkURL" : "https://www.aarp.org/games/category/word/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Word & Trivia" }}">Word & Trivia</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-5224afaac0" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/rewards-games/' data-analyticsevent="BTN_CLK-GAMES-REWARDS" data-formelementid="BTN_CLK-GAMES-REWARDS" title="Link to the AARP Games Rewards category landing age" data-cmp-clickable data-cmp-data-layer="{"text-5224afaac0-link-c70fa1496e":{ "xdm:linkURL" : "https://www.aarp.org/games/category/rewards-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Rewards" }}">Rewards</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-5a731e23e2" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/atari-games/' data-analyticsevent="BTN_CLK-GAMES-ATARI_RETRO" data-formelementid="BTN_CLK-GAMES-ATARI_RETRO" title="Link to the AARP Games Atari and Retro category landing page" data-cmp-clickable data-cmp-data-layer="{"text-5a731e23e2-link-629af1fc73":{ "xdm:linkURL" : "https://www.aarp.org/games/category/atari-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Atari® & Retro" }}">Atari® & Retro</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-97c24cb9b3" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/mahjongg/' data-analyticsevent="BTN_CLK-GAMES-MAHJONGG" data-formelementid="BTN_CLK-GAMES-MAHJONGG" title="Link to the AARP Games Mahjongg category landing page" data-cmp-clickable data-cmp-data-layer="{"text-97c24cb9b3-link-beffb0e570":{ "xdm:linkURL" : "https://www.aarp.org/games/category/mahjongg/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Mahjongg" }}">Mahjongg</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c0e91a70a4" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/members/' data-analyticsevent="BTN_CLK-GAMES-MEMBERS_Only" data-formelementid="BTN_CLK-GAMES-MEMBERS_Only" title="Link to the AARP Games Members Only category landing page" data-cmp-clickable data-cmp-data-layer="{"text-c0e91a70a4-link-b5293c2de7":{ "xdm:linkURL" : "https://www.aarp.org/games/category/members/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Members Only" }}">Members Only</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-0095f7dfdc" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/staying-sharp/' data-analyticsevent="BTN_CLK-GAMES-STAYING_SHARP" data-formelementid="BTN_CLK-GAMES-STAYING_SHARP" title="Link to the AARP Games Staying Sharp category landing page" data-cmp-clickable data-cmp-data-layer="{"text-0095f7dfdc-link-51661a53f8":{ "xdm:linkURL" : "https://www.aarp.org/games/category/staying-sharp/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Staying Sharp" }}">Staying Sharp</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-1357af9a97" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/solitaire/' title="Link to the AARP Games Solitare category landing page" data-cmp-clickable data-cmp-data-layer="{"text-1357af9a97-link-bb1ae19ad7":{ "xdm:linkURL" : "https://www.aarp.org/games/category/solitaire/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Solitare" }}">Solitare</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-d43d00491e" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/strategy/' data-analyticsevent="BTN_CLK-GAMES-STRATEGY" data-formelementid="BTN_CLK-GAMES-STRATEGY" title="Link to the AARP Games Strategy category landing page" data-cmp-clickable data-cmp-data-layer="{"text-d43d00491e-link-4e449947f2":{ "xdm:linkURL" : "https://www.aarp.org/games/category/strategy/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Strategy" }}">Strategy</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2053d493b1" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/arcade/' data-aria-label="BTN_CLK-GAMES-ARCADE" title="Link to the AARP Games Arcade category landing page" data-analyticsevent="BTN_CLK-GAMES-ARCADE" data-formelementid="BTN_CLK-GAMES-ARCADE" data-cmp-clickable data-cmp-data-layer="{"text-2053d493b1-link-1dd41e1654":{ "xdm:linkURL" : "https://www.aarp.org/games/category/arcade/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Arcade" }}">Arcade</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-744ae573f8" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/puzzles/' data-analyticsevent="BTN_CLK-GAMES-PUZZLES" data-formelementid="BTN_CLK-GAMES-PUZZLES" title="Link to the AARP Games Puzzle category landing page" data-cmp-clickable data-cmp-data-layer="{"text-744ae573f8-link-e4fff7fc6f":{ "xdm:linkURL" : "https://www.aarp.org/games/category/puzzles/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Puzzles" }}">Puzzles</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ada501cc96" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/card/' data-analyticsevent="BTN_CLK-GAMES-CARD" data-formelementid="BTN_CLK-GAMES-CARD" title="Link to the AARP Games Card category landing page" data-cmp-clickable data-cmp-data-layer="{"text-ada501cc96-link-78060950ef":{ "xdm:linkURL" : "https://www.aarp.org/games/category/card/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Card" }}">Card</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-4cf8a71af5" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/juegos-espanol/' data-analyticsevent="BTN_CLK-GAMES-JUEGOS" data-formelementid="BTN_CLK-GAMES-JUEGOS" title="Link to the AARP Games Juegos category landing page" data-cmp-clickable data-cmp-data-layer="{"text-4cf8a71af5-link-ed8a935230":{ "xdm:linkURL" : "https://www.aarp.org/games/category/juegos-espanol/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Juegos" }}">Juegos</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-ea9e2579bf" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/daily-games/' data-analyticsevent="BTN_CLK-GAMES-DAILY" data-formelementid="BTN_CLK-GAMES-DAILY" title="Link to the AARP Games Daily category landing page" data-cmp-clickable data-cmp-data-layer="{"text-ea9e2579bf-link-d5aee82bcb":{ "xdm:linkURL" : "https://www.aarp.org/games/category/daily-games/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Daily" }}">Daily</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-7eeb471d99" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/category/game-shows/' data-analyticsevent="BTN_CLK-GAMES-GAME_SHOWS" data-formelementid="BTN_CLK-GAMES-GAME_SHOWS" title="Learn more about the game show" data-cmp-clickable data-cmp-data-layer="{"text-7eeb471d99-link-4e291ff17b":{ "xdm:linkURL" : "https://www.aarp.org/games/category/game-shows/", "@type" : "uxdia/components/content/text/link", "dc:title" : "Game Shows" }}">Game Shows</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-302e536a67" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='https://www.aarp.org/games/tournament-tuesdays/' data-analyticsevent="BTN_CLK-GAMES-MORE" data-formelementid="BTN_CLK-GAMES-MORE" title="Learn more about A A R P games" data-cmp-clickable data-cmp-data-layer="{"text-302e536a67-link-a3ca3e9eea":{ "xdm:linkURL" : "https://www.aarp.org/games/tournament-tuesdays/", "@type" : "uxdia/components/content/text/link", "dc:title" : "More About Games" }}">More About Games</a></p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-743320894a" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/right-again-trivia' data-formelementid="TILE_CLK-GAMES-RIGHT_AGAIN_TRIVIA" aria-label="Right Again! Trivia" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/right-again-trivia' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Right Again! Trivia"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="7343ecba-2a05-4446-a83a-cd8921fb0e13" id="image-d12d8eed3b" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-right-again.png" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-right-again.png" alt="AARP Right Again Trivia and AARP Rewards" title="Play AARP Right Again Trivia, an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play AARP Right Again Trivia, an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/right-again-trivia'> Right Again! Trivia</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="3" data-posID="3"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/right-again-trivia-sports' data-formelementid="TILE_CLK-GAMES-RIGHT_AGAIN_TRIVIA_SPORTS" aria-label="Right Again! Trivia – Sports" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/right-again-trivia-sports' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Right Again! Trivia – Sports"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="314d3e0f-3467-42af-b53e-e41292a65ab5" id="image-2f98b28d34" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1884377341.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/aaarp-games-right-again-sports-promo-1140x655.jpg" alt="AARP Right Again Trivia Sports and AARP Rewards" title="Play AARP Right Again Trivia Sports, an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play AARP Right Again Trivia Sports, an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/right-again-trivia-sports'> Right Again! Trivia – Sports</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/games/category/atari-games/' data-formelementid="TILE_CLK-GAMES-ATARI_VIDEO_GAMES" aria-label="Atari® Video Games" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/games/category/atari-games/' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Atari® Video Games"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="5f8e00c3-ab76-44fd-8459-5f48896e5ed5" id="image-ca6b8a9508" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1029081247.coreimg.50.276.jpeg/content/dam/aarp/uxdia/en/navigation-tiles/1140x655-games-atari-1a-.jpg" alt="Atari, Centipede, Pong, Breakout, Missile Command Asteroids" title="Play your favorite ATARI game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play your favorite ATARI game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='/games/category/atari-games/'> Atari® Video Games</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://games.aarp.org/games/throwback-thursday-crossword' data-formelementid="TILE_CLK-GAMES-MOA_THROWBACK_THURSDAY_CROSSWORD" aria-label="Throwback Thursday Crossword" target="_blank"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://games.aarp.org/games/throwback-thursday-crossword' target="_blank" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Throwback Thursday Crossword"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="67b41c09-b8c3-4b39-8fbe-c960354c935d" id="image-fc8776e1aa" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png" data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969291143_c/item_1659967770303_c_182155119/container_1827098909/moms_boyfriend_in_as_1891239431.coreimg.50.276.png/content/dam/aarp/uxdia/en/navigation-tiles/aarp-games-throwback-thursday-1140x655-02.png" alt="Throwback Thursday Crossword and AARP Rewards" title="Play Throwback Thursday Crossword , an AARP Rewards Game" width="1140" height="655"/> </picture> <meta itemprop="caption" content="Play Throwback Thursday Crossword , an AARP Rewards Game"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_blank" href='https://games.aarp.org/games/throwback-thursday-crossword'> Throwback Thursday Crossword</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-8d2b7b3de7-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-8d2b7b3de7-tab" tabindex="0" class="cmp-tabs__tabpanel Travel " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop"> <div 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A different privacy policy and terms of service will apply.');return false;" data-cmp-clickable data-cmp-data-layer="{"text-9087bfb3d9-link-53a0a17320":{ "xdm:linkURL" : "/content/aarpe/en/home/travel.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Travel" }}">Travel</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-9489f5812c" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='#' data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" title="Link to close menu" data-cmp-clickable data-cmp-data-layer="{"text-9489f5812c-link-3e2a7ae417":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-774fc5038f" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-eb6cdf6c72" class="cmp-text"> <p><a href='/travel/travel-tips/' title="Link to travel tips page" data-analyticsevent="BTN_CLK-TRAVEL-TRAVEL_TIPS" data-formelementid="BTN_CLK-TRAVEL-TRAVEL_TIPS" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659967770303_c/container_1827098909/featuredtile_517422145.coreimg.50.276.jpeg/content/dam/aarp/home-and-family/family-and-friends/2023/06/1140-sunrise-pinnacles-national-park-california.jpg" alt="high peaks and balconies cliffs in pinnacles national park" title="The High Peaks and Balconies Cliffs in Pinnacles National Park" width="1140" height="655"/> </picture> <meta itemprop="caption" content="The High Peaks and Balconies Cliffs in Pinnacles National Park"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">AARP National Park Guide</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/travel/vacation-ideas/outdoors/info-2023/pinnacles-national-park.html'> Travel to Pinnacles in California</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-c86cc6330f-item-dd27f71d94-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-c86cc6330f-item-dd27f71d94-tab" tabindex="0" class="cmp-tabs__tabpanel More... 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A different privacy policy and terms of service will apply.');return false;" href='/entertainment/movies-for-grownups/' data-analyticsevent="BTN_CLK-TRAVEL-MOVIES_FOR_GROWNUPS" data-formelementid="BTN_CLK-TRAVEL-MOVIES_FOR_GROWNUPS" title="Link to movies laning page" data-cmp-clickable data-cmp-data-layer="{"text-42b04b42df-link-953dd9c712":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/movies-for-grownups.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Movies" }}">Movies</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c69a265684" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/television/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-TELEVISION" data-formelementid="BTN_CLK-ENTERTAINMENT-TELEVISION" title="Link to television landing page" data-cmp-clickable data-cmp-data-layer="{"text-c69a265684-link-84013e2657":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/television.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "TV" }}">TV</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-b110f87145" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/music/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-MUSIC" data-formelementid="BTN_CLK-ENTERTAINMENT-MUSIC" title="Link to the music landing page" data-cmp-clickable data-cmp-data-layer="{"text-b110f87145-link-730a302622":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/music.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Music" }}">Music</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-2ccb79ae3b" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/entertainment/celebrities/' data-analyticsevent="BTN_CLK-ENTERTAINMENT-CELEBRITIES" data-formelementid="BTN_CLK-ENTERTAINMENT-CELEBRITIES" title="Link to the celebrity landing page" data-cmp-clickable data-cmp-data-layer="{"text-2ccb79ae3b-link-8e65771e49":{ "xdm:linkURL" : "/content/aarpe/en/home/entertainment/celebrities.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Celebrities" }}">Celebrities</a></p> </div> </div> <div class="text uxdia-c-button uxdia-c-button--secondary aem-GridColumn aem-GridColumn--default--12"> <div id="text-c6f6fdc211" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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Jackson Keeps Keeping On" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/entertainment/celebrities/info-2024/samuel-l-jackson-interview.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Samuel L. 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-5428f5c7e5-link-86f1d73946":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-39efdc6c0a" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. 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A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-8a4752589f-link-9e6696831e":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-d0e50ecd9c" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div 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<p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Home Technology</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/home-family/personal-technology/caregiving-smart-home-technology/'> Caregiver’s Guide to Smart Home Tech</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile "> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" 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uxdia-c-featured-tile__title_link@mobile" target="_self" href='/social-connections/'> Creating Social Connections</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn aem-GridColumn--default--1"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='https://local.aarp.org/virtual-community-center/tech-help/' data-formelementid="TILE_CLK-PERSONAL_TECH-VIRTUAL_COMM_CENTER" aria-label="Join Free Tech Help Events" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='https://local.aarp.org/virtual-community-center/tech-help/' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Join Free Tech Help Events"> <div class="uxdia-c-featured-tile__image"> <div data-asset-id="bebb4638-1dd7-4c2c-9d11-f9bbd2316d24" id="image-a7cd8764d1" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" 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data-src="https://cdn.aarp.net/content/dam/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3/_jcr_content/root/responsivegrid/responsivegrid_1894941386/responsivegrid_19175/megamenu_354653175_c/item_1659969296513/responsivegrid/megamenu/item_1663662163919/item_1659967770303_c/container_1827098909/moms_boyfriend_in_as_1749540817.coreimg.50.276.jpeg/content/dam/aarp/money/scams_fraud/2015-04/1140-online-dating-safety-tips.jpg" alt="online dating safety tips" title="online dating safety tips" width="1140" height="655"/> </picture> <meta itemprop="caption" content="online dating safety tips"/> </div> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Virtual Community Center</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='https://local.aarp.org/virtual-community-center/tech-help/'> Join Free Tech Help Events</a> </p>   <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div id="megamenu-1aa94df55d-item-a07ba5a3ef-tabpanel" aria-hidden="false" role="tabpanel" aria-labelledby="megamenu-1aa94df55d-item-a07ba5a3ef-tab" tabindex="0" class="cmp-tabs__tabpanel Home & Living " data-cmp-hook-tabs="tabpanel"><div class="responsivegrid"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid uxdia-c-megamenu--wrapper uxdia-c-megamenu—wrapper@tablet uxdia-c-megamenu—wrapper@desktop aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div id="container-a641a1ac9d" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text uxdia-c-megamenu-back--button nuxdia-c-megamenu-back--button@tablet uxdia-c-megamenu-back--button@desktop aem-GridColumn aem-GridColumn--default--12"> <div id="text-3ba837c318" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master3.html,'','You are now leaving AARP.org and going to a website 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A different privacy policy and terms of service will apply.');return false;" href='#' data-cmp-clickable data-cmp-data-layer="{"text-3ba837c318-link-07c66329f0":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Back" }}">Back </a></p> </div> </div> <div class="text uxdia-u-subtitle-1 uxdia-u-subtitle-1@mobile uxdia-c-megamenu--link uxdia-c-megamenu--link@tablet uxdia-c-megamenu--link@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="text-2fad645683" class="cmp-text"> <p><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" href='/home-family/your-home/' data-analyticsevent="LNK_CLK-HOME_AND_LIVING" data-formelementid="LNK_CLK-HOME_AND_LIVING" title="link to your home landing page" data-cmp-clickable data-cmp-data-layer="{"text-2fad645683-link-5e2800aaaf":{ "xdm:linkURL" : "/content/aarpe/en/home/home-family/your-home.html", "@type" : "uxdia/components/content/text/link", "dc:title" : "Home & Living" }}">Home & Living</a></p> </div> </div> <div class="text uxdia-c-megamenu--close uxdia-c-megamenu--close@tablet uxdia-c-megamenu--close@desktop aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0 aem-GridColumn--default--2"> <div id="text-d3a8ddb3bf" class="cmp-text"> <p><a data-analyticsevent="LNK_CLK-CLOSE_MENU" data-formelementid="LNK_CLK-CLOSE_MENU" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/experience-fragments/uxdia-folder-structure/en/headers-and-footers/aarp/aarp-uxdia-mega-menu-with-red-header/mega-menu-drawer/mega-menu/master.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="link to close menu" href='#' data-cmp-clickable data-cmp-data-layer="{"text-d3a8ddb3bf-link-be63eff164":{ "xdm:linkURL" : "#", "@type" : "uxdia/components/content/text/link", "dc:title" : "Close Menu" }}">Close Menu</a></p> </div> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-four-pack-tiles__container uxdia-c-four-pack-tiles__container@tablet uxdia-c-four-pack-tiles__container@desktop uxdia-c-feature-tile-card aem-GridColumn aem-GridColumn--default--12"> <div id="container-8257dc53a5" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn aem-GridColumn--offset--default--0 aem-GridColumn--default--4"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="2" data-posID="2"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html' data-formelementid="TILE_CLK-HOME_AND_LIVING-CLEAN_IN_10_MIN" aria-label="What You Need to Know" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="What You Need to Know"> <div class="uxdia-c-featured-tile__image"> <div id="image-5c767d52fc" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="lazy"> <img class="cmp-image__image cmp-image__image@tablet" data-srcset="https://aarp.widen.net/content/jwuxwvdlr5/jpeg/1140-sg-aginginplace-promo.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=k2e9ec&w=1140&h=655" data-src='https://aarp.widen.net/content/jwuxwvdlr5/jpeg/1140-sg-aginginplace-promo.jpg?crop=true&anchor=0,0&q=80&color=ffffffff&u=k2e9ec&w=1140&h=655' alt width="1140" height="655"/> </picture> </div> </div> <div class="uxdia-info_mb-card"> <span class="uxdia-info_lock-icon"></span> <span class="uxdia-info_mb-text">MEMBERS ONLY</span> </div> </a> <div class="uxdia-c-featured-tile__content-wrapper uxdia-c-featured-tile__article-content-wrapper uxdia-c-featured-tile__content-wrapper@tablet uxdia-c-featured-tile__content-wrapper@mobile"> <p class="uxdia-c-featured-tile__category uxdia-c-featured-tile__category@tablet uxdia-c-featured-tile__category@mobile">Age in Place</p> <p class="uxdia-c-featured-tile__title uxdia-c-featured-tile__title@tablet uxdia-c-featured-tile__title@mobile uxdia-u-title-card uxdia-u-title-card@mobile"> <a class="uxdia-c-featured-tile__title_link uxdia-c-featured-tile__title_link@tablet uxdia-c-featured-tile__title_link@mobile" target="_self" href='/benefits-discounts/members-only-access/info-2024/smart-guide-aging-in-place.html'> What You Need to Know</a> </p>   <div class="uxdia-c-featured-tile__moa-badge-wrapper uxdia-c-featured-tile__moa-badge-wrapper@tablet uxdia-c-featured-tile__moa-badge-wrapper@mobile"> <span class="uxdia-c-featured-tile__moa-badge-icon"></span><span class="uxdia-c-featured-tile__moa-badge-title">MEMBERS ONLY</span> </div> <div class="uxdia-c-featured-tile__button-section uxdia-c-featured-tile__button-section@tablet uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn--default--none aem-GridColumn--offset--default--8 aem-GridColumn 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uxdia-c-featured-tile__button-section@mobile"> </div> </div> </div> </div>  </div> </div> <div class="featuredTile articleimage image aem-GridColumn aem-GridColumn--default--12"><div class="uxdia-c-featured-tile-wrapper uxdia-c-featured-tile-wrapper@mobile " data-position="1" data-posID="1"> <div class="uxdia-c-featured-tile-container-link" data-cmp-clickable tabindex="0" href='/benefits-discounts/members-only-access/info-2024/dollar-store-shopping-tips.html' data-formelementid="TILE_CLK-HOME_AND_LIVING-MOA-HOME_CURB_APPEAL" aria-label="Dollar Store Do’s and Don’ts" target="_self"> <div class="uxdia-c-featured-tile__container uxdia-c-featured-tile__container@tablet uxdia-c-featured-tile__container@mobile"> <a href='/benefits-discounts/members-only-access/info-2024/dollar-store-shopping-tips.html' target="_self" class="uxdia-c-featured-tile__image-wrapper uxdia-c-featured-tile__image-wrapper@tablet uxdia-c-featured-tile__image-wrapper@mobile sharp-c-credit-photo-wrapper" title="Dollar 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data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div class="cmp-contentfragment__element cmp-contentfragment__element--articleTitle " data-cmp-contentfragment-element-type="string"> <h1 id="article-title" tabindex="0" aria-label="My Biggest Retirement Mistake: I Didn’t Follow My Own Advice">My Biggest Retirement Mistake: I Didn’t Follow My Own Advice</h1> </div> <div class="cmp-contentfragment__element cmp-contentfragment__element--articleSubTitle " data-cmp-contentfragment-element-type="string"> <h2 id="article-subtitle" tabindex="0" aria-label="As a professional asset manager, I knew how to save for retirement, but it took me years to practice what I preached">As a professional asset manager, I knew how to save for retirement, but it took me years to practice what I preached</h2> </div> </div> </div> <div class="coreSeperator parbase"> <hr class="aarp-c-seperator--light-border" style="border-color: #D5D5D5; border-top-width: 1px;"/> </div> <div class="articlecontentfragment contentfragment"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div class="cmp-contentfragment__element cmp-contentfragment__element--bylineAuthors " data-cmp-contentfragment-element-type="content-fragment"> <div class="uxdia-c-author-component__inner-container uxdia-c-author-component__inner-container@mobile "> <div class="uxdia-c-author-component__details-inner-container"> <div class="uxdia-c-author-component__article-author"> <div> <div class="cmp-contentfragment__element cmp-contentfragment__element--articleByLabel " data-cmp-contentfragment-element-type="string"> By </div> </div> <div> <p>Anne Lester, </p> <div class="cmp-contentfragment__element cmp-contentfragment__element--separator" data-cmp-contentfragment-element-type="string"> </div> </div> <div> <div> AARP</div> </div> </div> <div> </div> <div class="uxdia-c-commentsection-container"> <span id="uxdia-c-commentcounter" class="uxdia-c-commentcounter"> <vf-conversations-count vf-container-id="461449cfcbb577c75ad5c88d8e338c01"></vf-conversations-count> <span class="uxdia-c-commentstext">Comments</span> </span> </div> </div> <div class="uxdia-c-author-component__lang-container"> <div> </div> <div class="uxdia-c-author-component__dates uxdia-c-author-component__dates@mobile"> <div> <div class="cmp-contentfragment__element cmp-contentfragment__element--publishDate " data-cmp-contentfragment-element-type="calendar"> <span class="uxdia-c-author-component__labels">Published</span> <span 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aem-GridColumn--default--8 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <div> <p>When I was in my 30s, I obsessed over my <a href='/work/retirement-planning/investment_goal_calculator/' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="retirement goal calculator">personal investments</a>. I second-guessed every decision, agonizing over when I should invest cash or sell stocks, constantly afraid I’d make the wrong move. I would buy when it felt safe (after the market went up) and sell when I got worried (after the market went down).<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>This, of course, is a classic behavioral economic mistake, exactly the opposite of the way you are supposed to invest. And I knew this — I was a professional money manager who literally won an award for how I invested other people’s money. 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class="nSocial"/> <input type="hidden" class="nCommercial"/> <input type="hidden" class="eventsFrom" name="eventsFrom"/> <input type="hidden" class="eventsTill" name="eventsTill"/> <input type="hidden" class="actionClassInclusion" name="actionClassInclusion"/> <input type="hidden" class="actionClassExclusion" name="actionClassExclusion"/> <input type="hidden" class="actionCategoryExclusion" name="actionCategoryExclusion"/></div> </div></div> </div> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>This was par for the course. As I embarked on my career, I made just about every financial mistake I could have made when it came to shortchanging my future, retired self.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>It started soon after graduation. I <a href='/money/credit-loans-debt/info-2023/balance-transfers.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="balance transfers">ran up credit card debt</a>, barely contributed to my retirement plan at work, and repeatedly splurged on big-ticket items that I never really used. (Hello, used baby grand piano!) When I left my first job, I <a href='/retirement/planning-for-retirement/info-2023/what-to-know-cashing-out-401k.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="what to know about cashing out your 401k">cashed out of my retirement plan</a> and spent the money on a move, blithely unaware that I would owe almost half of it in taxes and penalties.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>It didn’t get much better in my 30s. My husband and I were careful not to overspend when we bought our first house, but then we started a series of renovations that kept us juggling credit card bills, home equity loan repayments and childcare expenses for years. Only in my late 30s, when my employer, J.P. Morgan, asked me to focus on building and managing mutual funds for retirement savers, did I finally start figuring out what was going on.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment uxdia-c-article-callout-box--bg-color-off-white uxdia-c-article-callout-box--half-width@tablet-desktop uxdia-c-article-callout-box--half-width@mobile uxdia-c-article-callout-box--pull-right@tablet-desktop uxdia-c-article-callout-box--pull-right@tablet uxdia-c-article-callout-box--margin-left@desktop uxdia-c-article-callout-box--margin-left@tablet uxdia-c-article-callout-box uxdia-c-article-callout-box@tablet uxdia-c-article-callout-box@mobile aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div class="cmp-contentfragment__element cmp-contentfragment__element--callOutBoxImageOne uxdia-c-article-callout uxdia-c-article-callout-box--image " data-cmp-contentfragment-element-type="string"> <div id="image-a5c7395f2f" class="cmp-image uxdia-c-image" itemscope itemtype="http://schema.org/ImageObject"> <img class="uxdia-c-spinner" src='https://cdn.aarp.net/etc/uxdia/images/uxdia-spinner.svg' alt="spinner image"/> <picture class="articlelazy cmp-image__picture cmp-image__picture@tablet" data-loading="eager"> <source media="(max-width: 375px)" srcset="https://aarp.widen.net/content/lfdwvykold/web/2413-AARP82371-BG-R2.2-v2.gif?animate=true&u=k2e9ec&w=375"/> <source media=" (max-width: 425px)" srcset="https://aarp.widen.net/content/lfdwvykold/web/2413-AARP82371-BG-R2.2-v2.gif?animate=true&u=k2e9ec&w=425"/> <source media=" (max-width: 768px)" srcset="https://aarp.widen.net/content/lfdwvykold/web/2413-AARP82371-BG-R2.2-v2.gif?animate=true&u=k2e9ec&w=688"/> <img class="cmp-image__image cmp-image__image@tablet" src='https://aarp.widen.net/content/lfdwvykold/web/2413-AARP82371-BG-R2.2-v2.gif?animate=true&u=k2e9ec' alt="a house of cards colored to look like money falls apart" title="my biggest retirement mistake" width="932" loading="eager"/> </picture> <meta itemprop="caption" content="my biggest retirement mistake"/> </div> <div class="uxdia-c-article-callout-box--image-cta uxdia-c-article-callout-box--image-cta@mobile"> <div id="article-imagecaption" tabindex="0"> <div class="cmp-contentfragment__element cmp-contentfragment__element--callOutBoxImgCreditOne uxdia-c-credit uxdia-c-article-callout " data-cmp-contentfragment-element-type="string"> Gregory Reid </div> </div> </div> </div> <div class="cmp-contentfragment__element cmp-contentfragment__element--callOutBoxOne uxdia-c-article-callout " data-cmp-contentfragment-element-type="string"> <h4><i>What’s Your Biggest Retirement Mistake?</i></h4> <p><i>Retirement isn’t just about leaving a job. It's about changing your life — your routine, your budget, your priorities, where you live. It's decision after decision, and you don't always make the right one. Is there something you wish you’d done differently?</i></p> <p><i>AARP Members Edition wants to hear about your retirement regrets. A mistimed exit from the office? A move to the wrong place? A relationship you gave up? Spending too much, or too little? Share your story at <a title="email address" href='mailto:retirement@aarp.org'>retirement@aarp.org</a> and we might feature it in this series.</i></p> </div> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <h3>Discounting the future</h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>Basically, I’m not wired to save. I’m really bad at delaying gratification. I would have absolutely failed the <a href='https://www.simplypsychology.org/marshmallow-test.html' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-default-element-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-displayoverlay="displayOverlay" title="marshmallow test" rel="noreferrer">marshmallow test</a> as a kid.<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>When I started diving into behavioral economics, studying why people act in ways that aren’t in their economic long-term interest, I realized I was far from alone in my struggles. There are dozens, if not hundreds, of ways people make costly, irrational financial decisions, like selling stocks in a panic when the market goes down.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>My biggest challenge? Future discounting — thinking that what would happen in the future was much less important that what was happening right now.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>Future discounting is what leads us to eat a second, or third, piece of cake and then hate the way our jeans fit. Or decide to watch “just one more episode” of a show, binge-watch four and then not get up in the morning for our run. Or buy what we want, when we want it. It’s one of the things that leads us to not save for retirement.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>It’s easy to discount the future when it comes to retirement saving. Most of us don’t intuitively understand the magic of compound returns. It’s hard for us to believe our savings will double every 10 years if they are invested at an average return of 7 percent. (The S&P 500 has averaged about 10 percent since its inception in the late 1950s.) </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div id="container-44789e3d5e" class="cmp-container"> <div class="container responsivegrid uxdia-c-comments-button__container 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When I was 25, I couldn’t imagine that the $800 I cashed out from my retirement plan would have been worth more than $24,000 by now if I had just left it invested it in my retirement plan’s S&P 500 index fund.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>Indeed, the entire concept of retirement seems unreal to us in our 20s and 30s. Research by Hal Hershfield, a professor at UCLA’s Anderson School of Management, shows that we don’t see the future selves we are saving for as us — our brains see that future self as a stranger. That makes it even harder to deny ourselves something we want right now, right in front of us. 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</div> <input type="hidden" id="hostName" class="hostName" value="cdn.aarp.net"/> <input type="hidden" id="hideCategory" class="hideCategory" value="false"/> <input type="hidden" id="hideDescription" class="hideDescription"/> <input type="hidden" id="events" class="events" value=""/> <input type="hidden" id="products" class="products" value=""/> <input type="hidden" id="region" class="region" value=""/> <input type="hidden" id="apiUrl" class="apiUrl" value="https://ggfi3szd85.execute-api.us-east-1.amazonaws.com/prod/palantir-services/getOffers"/> <input type="hidden" id="aarpDomain" class="aarpDomain" value="https://www.aarp.org"/> <input type="hidden" id="requestCategory" class="requestCategory"/> <input type="hidden" id="requestCardCount" class="requestCardCount"/> <input type="hidden" id="advertisementDisplayOrder" class="advertisementDisplayOrder" value="5"/> <input type="hidden" id="variant" class="variant" value="inline"/> <input type="hidden" id="analyticsId" class="analyticsId"/> <input type="hidden" id="model" class="model" name="model" value=""/> <input type="hidden" class="txId" name="txId" value=""/> <input type="hidden" class="nSocial"/> <input type="hidden" class="nCommercial"/> <input type="hidden" class="eventsFrom" name="eventsFrom"/> <input type="hidden" class="eventsTill" name="eventsTill"/> <input type="hidden" class="actionClassInclusion" name="actionClassInclusion"/> <input type="hidden" class="actionClassExclusion" name="actionClassExclusion"/> <input type="hidden" class="actionCategoryExclusion" name="actionCategoryExclusion"/></div> </div></div> </div> </div> </div> </div> </div> <h3>‘I had to get out of my own way’</h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>Understanding that I was a walking, talking, textbook case of so many behavioral economics factors was huge. I developed several financial hacks and rules for myself — some borrowed from research I and others were doing and some that I figured out on my own.<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="articlecontentfragment contentfragment aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> </div> </div> </div> </div> <p>The rules basically boil down to three things.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment uxdia-c-article-callout-box--half-width@tablet-desktop uxdia-c-article-callout-box--half-width@mobile uxdia-c-article-callout-box--pull-right@tablet-desktop uxdia-c-article-callout-box--pull-right@tablet uxdia-c-article-callout-box--margin-left@desktop uxdia-c-article-callout-box--margin-left@tablet uxdia-c-article-callout-box uxdia-c-article-callout-box@tablet uxdia-c-article-callout-box@mobile aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div class="cmp-contentfragment__element cmp-contentfragment__element--callOutBoxTwo uxdia-c-article-callout " data-cmp-contentfragment-element-type="string"> <h4>My Biggest Retirement Mistake:</h4> <ul> <li><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="my biggest retirement mistake was waiting too long" href='/benefits-discounts/members-only-access/info-2024/my-biggest-retirement-mistake-not-retiring-sooner.html'>Not Retiring Sooner</a></li> <li><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="ignoring my own advice" href='/benefits-discounts/members-only-access/info-2024/my-biggest-retirement-mistake-ignoring-my-own-advice.html'>I Didn’t Follow My Own Advice</a></li> <li><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="collecting social security early" href='/benefits-discounts/members-only-access/info-2024/my-biggest-retirement-mistake-social-security-early.html'>Collecting Social Security Early</a></li> <li><a data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="saving too late" href='/benefits-discounts/members-only-access/info-2024/my-biggest-retirement-mistake-saving-too-late.html'>‘I Wish I Had Started Saving Earlier’</a></li> </ul> </div> </div> </div> </div> </div> <p>First, I had to get out of my own way. I had to create guardrails around my financial habits and make fewer decisions about what to do with my money, because I made the “wrong” decision more often than I liked.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Second, I needed to figure out a way to make the decisions I did make more tangible, to connect them to some benefit other than doing or acquiring something I wanted right then.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Finally — and this is still very much a work in progress for me — I needed to learn how to say no to myself, and to live with the discomfort I feel when I do.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>One key hack is to automate your saving, as much as you can. This makes saving relatively painless, since you don’t have to actively decide to save (and won’t stress over not saving, or not doing it the right way).</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Many companies with 401(k) plans do this when you start working for them, enrolling you automatically and annually increasing your saving rate, unless you opt out. If you don’t have access to a workplace plan, you can set up automatic contributions to an IRA or investment account, timed to coincide with when you get paid.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>It also helps to automate your investments. Again, 401(k) plans often do this by enrolling participants in a target date fund, which automatically rebalances your investments as you age (for example, moving money from stocks to bonds to reduce risk), based on your expected retirement date.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> </div> </div> </article> <section class="container responsivegrid uxdia-o-right-rail uxdia-o-right-rail@laptop aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--hide aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4 aem-GridColumn--tablet--hide"> <div id="container-cd4bb7ec4e" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="advertisement parbase aem-GridColumn--tablet--12 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A <a href='https://www.morningstar.com/funds/why-fund-returns-are-lower-than-you-might-think' target="_blank" data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-default-element-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" data-displayoverlay="displayOverlay" title="morning star study" rel="noreferrer">2021 Morningstar study</a> found that over the previous decade, individual investors earned 1.7 percentage points less in returns per year, on average, than the funds they invested in, because individuals had a tendency to buy when it felt safe (in a bull market) and sell when it felt scary (in a bear market).</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p><a href='/retirement/planning-for-retirement/info-2023/robo-adviser-pros-and-cons.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="robo adviser pros and cons">Automating your investments</a>, whether it’s through a particular type of fund or by offloading the job to a financial adviser, helps keep you on track during periods of market volatility. Remember, markets don’t go up all the time, but they do go up over time. I ended up moving all our personal savings into the strategies I managed at work and loved the mental freedom that gave me.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <h3>How many windows?</h3> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>Another trick I learned is to make the trade-off between what we are saving for and our current spending more tangible.<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>For example, my husband and I are <a href='/home-family/your-home/info-2021/diy-home-improvement-ideas.html' data-overlay-msg="AARP.Everywhere.LeavingModal.drawOverlay(this,'',/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice.html,'','You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.');return false;" title="diy home improvement">serial house remodelers</a>, which can take a huge bite out of retirement savings. Yes, our house is worth more than it would have been without the renovations, but that money is locked up in the house until we decide to sell it.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>After years of borrowing money to finance projects, we finally decided that we had to save up ahead of each project. That got our month-to-month spending under control. The most helpful trick? When I was tempted to buy something for myself, I translated the cost into something on the renovation list. Our house, a Victorian built in 1906, had 56 original windows, so for a while I compared everything to the cost of replacing them. A new suit for work? That’s half a window!</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>The last big thing I’ve been working on is living with the discomfort I feel when I want something and can’t have it. You’d think that after 60 years on this planet I would have gotten my arms around this one, but it’s still excruciating for me, whether it’s turning down a second helping of dessert or passing on a new pair of shoes that I don’t need but oh, they fit so perfectly.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>A friend gave me a helpful way to frame this: Think about the discomfort you experience sitting in a middle seat on a long flight. Sure, you’d rather have a window or aisle seat (or better yet, a fancy seat up front!), but it’s absolutely something you can tolerate. That helps. So does trying to remove as much temptation as I can. If the dessert isn’t in the house, I can’t eat it. If I don’t go to my favorite shoe store, I’m not tempted to try something on.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>It took a me number of years, and more than one false start, to get my financial house in order. And in many ways, it’s still a work in progress. Because I didn’t save enough when I was in my 20s and 30s, having a comfortable retirement means that I need to earn some income into my 70s. I’m lucky that this is an option for me, and luckier still that it is work I enjoy.</p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> <p>I’ve also embraced a very powerful lesson: Forgive yourself for past mistakes and know that you can accept where you are and keep making it better.<br /> </p> <div> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> </div> </div> </div> </div> </div> <article class="container responsivegrid uxdia-o-article-rail uxdia-o-article-rail@laptop uxdia-c-restricted-access aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div id="container-134f09c931" class="cmp-container"> <div class="container responsivegrid uxdia-c-comments-button__container uxdia-c-comments-button__container@mobile uxdia-c-comments-button__container@tablet uxdia-c-comments-button__container@laptop"> <div id="container-cba6e9e655" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="commentbutton button uxdia-c-button uxdia-c-button--secondary js-tokenable uxdia-c-comments__text-onload aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <a role="button" class="cmp-button" href='/benefits-discounts/members-only-access/info-2024/my-biggest-retirement-mistake-ignoring-my-own-advice.html#comments_widget_id'> <span class="cmp-button__icon cmp-button__icon--icon" aria-hidden="true"></span> <span class="cmp-button__text">%{postComment}%</span> </a> </div> </div> </div> </div> <div class="container responsivegrid uxdia-c-additionalCredit-authorBio-container uxdia-c-additionalCredit-authorBio-container@mobile"> <div id="container-d1c6cd81c2" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="articlecontentfragment contentfragment uxdia-c-additionalCredit-authorBio-container uxdia-c-additionalCredit-authorBio-container@mobile aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div class="cmp-contentfragment cmp-contentfragment--my-biggest-retirement-mistake-ignoring-my-own-advice" data-cmp-contentfragment-model="uxdia/models/content-experience-article-content-fragment" data-cmp-contentfragment-path="/content/dam/content-fragments/aarp-org/en/article/moa-content/2024/08/my-biggest-retirement-mistake-ignoring-my-own-advice"> <div class="cmp-contentfragment__element cmp-contentfragment__element--bylineAuthors " data-cmp-contentfragment-element-type="content-fragment"> <div class="uxdia-c-author-bio-component uxdia-c-author-bio-component@tablet uxdia-c-author-bio-component@mobile"> <div class="uxdia-c-author-bio-component__container uxdia-c-author-bio-component__container@tablet uxdia-c-author-bio-component__container@mobile"> <div class="uxdia-c-author-bio-component__inner-container uxdia-c-author-bio-component__inner-container@mobile"> <div class="uxdia-c-author-bio-content__wrapper uxdia-c-author-bio-content__wrapper@mobile"> <div class="uxdia-c-author-bio-images uxdia-c-author-bio-images@mobile"> <div> </div> </div> <div class="uxdia-c-author-bio-details uxdia-c-author-bio-details@mobile"> <div> <div class="cmp-contentfragment__element cmp-contentfragment__element--authorTagline " data-cmp-contentfragment-element-type="string"> <p><i>Anne Lester is a former head of retirement solutions at J.P. Morgan Asset Management and the author of </i>Your Best Financial Life: Save Smart Now for the Future You Want<i>.</i></p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid"> <div id="container-ddec0d0905" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaCacheableXF experiencefragment aem-GridColumn aem-GridColumn--default--12"><div data-cmp-paywall-pageTitle="My Biggest Retirement Mistake: I Didn’t Follow My Own Advice" data-cmp-membersonlyaccess="true" id="uxdiaCacheableXF-54099dbf64" class="cmp-experiencefragment cmp-experiencefragment--paywall"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="target parbase aem-GridColumn aem-GridColumn--default--12"> <script 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250.095 622.964 250.095C632.059 250.095 642.393 252.576 649.007 259.19L635.366 271.591Z" fill="white"/> </g> <defs> <linearGradient id="paint0_linear_2_50" x1="-107.447" y1="339.208" x2="1141.73" y2="339.208" gradientUnits="userSpaceOnUse"> <stop stop-color="#351211"/> <stop offset="1" stop-color="#EF3829"/> </linearGradient> <clipPath id="clip0_2_50"> <rect width="933" height="600.642" rx="80" fill="white"/> </clipPath> </defs> </svg> </a> <h2 class="four-pack-header-title four-pack-header-title@tablet four-pack-header-title@mobile"> Benefits Recommended For You </h2> </div> <div class="four-pack-header-right four-pack-header-right@mobile"> <div id="text-199df01e82" class="cmp-text"> <p><a data-analyticsevent="MEMBEN4PK-RFY-LNK-CLK-FINANCES-SEE_ALL" data-formelementid="MEMBEN4PK-RFY-LNK-CLK-FINANCES-SEE_ALL" 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<span class="palantir-moa-badge-icon js-palantir-four-moa-icon"></span> Members only </div> </div> <div class='mvc-offer-four-pack-details mvc-offer-four-pack-details@tablet mvc-offer-four-pack-details@mobile'> <div href='#' class='mvc-offer-four-pack-category mvc-offer-four-pack-category@mobile mvc-offer-four-pack-category@tablet js-mvc-offer-four-pack-category'> </div> <p class='mvc-offer-four-pack-title mvc-offer-four-pack-title@tablet js-mvc-offer-four-pack-title'></p> <p class='mvc-offer-four-pack-description js-mvc-offer-four-pack-description'></p> <div class="js-mvc-offer-eventDate aarp-c-mvc-offer-eventDate"></div> </div> </a> </template> <input type="hidden" id="hostName" class="hostName" value="cdn.aarp.net"/> <input type="hidden" id="hideCategory" class="hideCategory" value="false"/> <input type="hidden" id="hideDescription" class="hideDescription"/> <input type="hidden" id="events" class="events" value=""/> <input type="hidden" id="products" class="products" value=""/> 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<div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="uxdiaResponsiveGrid responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="container responsivegrid uxdia-hotdeals__container aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--12 aem-GridColumn--phone--newline aem-GridColumn aem-GridColumn--tablet--newline aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> <div id="container-0846c96ae2" class="cmp-container" data-wcmmode="publish"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="container responsivegrid uxdia-hotdeals--heading aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12"> <div id="container-ae2e6d486d" class="cmp-container" 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