How Retirement was Brought Up – Episode 184

Kathe Kline and Kristen Edens talk about How Retirement was Brought UpSocial Security Then and Now

When they brought up Social Security, life expectancy for men was 58 and it was 62 for women. What they did is they made the Social Security retirement age at 65. If social security now was similar in concept to social security then, you wouldn’t even start receiving it til’ you’re 85. As what our co-host Kristen Edens said, we already know what’s happening with them, because they are considering to increase it to 70, 71 or 72. A lot of people are realizing that they can’t rely on those services, those things that our parents and grandparents relied on. That is why, in the last few years, there’s been this massive shift of, “I’m gonna take care of myself.” Not really fully relying on 401ks, pensions or Social Security. Today's episode will have some insights on Mike Drak's article about, Where did the idea of Retirement come from?

Why Retirement is Being Brought Up?

The Social Security, pensions, and your own savings used to be the 3-legged stool for you. But nowadays nobody has a pension anymore unless you work for the government. People lost a bunch of money in their 401k plans. Things like these aren't being brought up that much. What they did when they lose all that money is they move it all to cash and then they lock it on all those loses.

People won’t hire people that are older. You’re kind of forced out when you hit a certain age. So many people tell me that after they hit the age of 50, they can’t get a job and you don’t get your social security til’ you’re 65. So, what do you do? Why will the idea of retirement be brought up in the first place?

10 Years of Change

The last 10 years have proven to be very fascinating because of the change of mindset in society, employers, and corporations. 10 years ago, layoffs, early retirements, forced retirements were just rampant. Anybody over 50, they were out with just a small early retirement bonus, which is not enough. But, as we all know there was this massive concern on unemployment, what’s going on and what are we going to do? What people did was, they found side gigs, do freelance, entrepreneurship and find jobs that would accommodate them.
Now, employers are realizing that there’s a lot of wisdom, experience, and knowledge that these older people can bring us. That is why we're brought up into it again.

Unity Between Multigenerational Workforce

We are at the point that we need the tech knowledge, the digital nativeness which is very popular with the younger generations but we also need the wisdom, the experience and the dedication of the older generations. Also, employees who know how to deal with people face to face.

I love the idea of multigenerational workplaces. It’s just not in our world but also in the world for assisted living where they are trying to bring the old and the young together. This has brought up much help for people learn something from different generations under one working environment. They’ve done some studies where it helps both all of the generations where you have different ideas and them coming together and just communicating.

Disadvantages of Working Longer or Not Retiring

If you’re not passionate about your work or if you’re working in a job that is physically demanding or stressful, the idea of continuing work is not very pleasant. Also, if you are How Retirement was Brought Upworking in a physical job (eg., construction worker, waitress), it might not be possible. Older workers can also make it more difficult for the young to get their foot in the door when they are not retiring.

If you receive Social Security benefits before retirement age, there is a significant penalty. Also, if you receive your Social Security benefits while you’re still working, there’s also a penalty.

About Our Co-Host

Kristen Edens is a content developer and brand specialist. She works with businesses to create realistic content plans that help them grow and thrive. What’s a content plan? Basically, it’s free information that helps let people know what you know, and once they know you, they might contact you to help them.

For example, this show. It didn’t start out as a content plan, because I don’t talk about money or investments, or insurance really, but people wind up finding out that I sell Medicare insurance, and then when they need it, they reach out to me. So that is what Kristen does. I met Kristen Eden on Twitter. She has a lot of great ideas on retirement.

You can also visit her at KristenEdens.com

Mentioned in this Episode:

Mike Drak's: Where did the idea of Retirement come from?
Social Security History
Episode 109 – What Does Your Retirement Life Look Like?


Alternative Treatments for Pain – Episode 183

Kathe and Les talk about Alternative Treatments for PainThis is the last episode of our 4-part series where we talk about the ConsumerReports.org article on, Real Pain Relief, Now! In our first episode, we have talked about How Pain Affects People. The second part talked about the Therapies that Ease Pain while the third episode dwells into the Different Pain Medications. Here on our last episode, we will discuss the alternative treatments for pain and why steroids and surgeries can help.


Pain is the body's mechanism to protect yourself from harm. It acts as a signal to our body that harm is about to happen to tissues in our bodies. It is well known to everybody and yet it is so compounded and subjective that it cannot be easily treated. There is also the emotional component when it comes to pain and that is called suffering.

Alternative Treatments for Pain

There are therapies that will help you ease pain, there are also medications for your pain but if these remedies don't work for you there are other alternatives such as steroids and surgeries.

I have known people who have done both steroids and surgeries and it does provide relief for them, that is why they are also good alternative treatments for pain. But the article still states that “You can’t overuse steroids.” The consumer reports article also talked about when this particular gentleman went to go see a surgeon, the surgeon said that this gentleman got to have surgery. Luckily, they went and got a second opinion and wound up they didn’t really need the surgery.


In surgery, you always have to have a second opinion. More people are seeking second opinions in orthopedic surgery than any other specialty. They want to make sure that those alternative treatments for pain are their only hope. The body has the capability to heal itself over time and that is why you don’t need to add surgery to heal the problem. Doctors these days get paid for doing what they normally do and that’s surgery must get paid for the surgery. We know somebody who had surgery and he wound up with MRSA. Now, he has a lifetime problem.

That is why, in any case, it just says that you should always try to get a second opinion when you have chronic pain and see if you can avoid having surgery. But sometimes surgery is what you really need. Anytime you go under the anesthesia, anytime you go to the hospital, you run the risk of having complications.

Stress and Pain

Stress can definitely cause pain. When I get my shoulder pain it’s usually because I’m under a lot of stress. It causes inflammation and the inflammation causes pain. Les has the same issue. If he’s under a lot of pressure, his neck will hurt.


Another alternative treatment for pain is steroids. Before you get surgery, a lot of people will get cortisone shots. Those people had great relief from cortisone but after a while, it stops working.

Steroid injections. When going through chemo they give you steroids right at the beginning of the treatment. But in Les’ case their not giving him shots, they’re just giving him pills so that he could keep up with his energy. From a positive standpoint, it did help him have more energy and overcome what could have been a lot worse from the chemo. With direct injections of steroids, it depends on where the injection goes. You could also actually cause a person to die if you're putting it in the wrong space in your back. It’s much safer to put it in your buttocks.

Those people that have chronic pain and had shots of pain relievers can’t really function between shots. Also, more than 2 or 3 shots a year can cause joint cartilage damage.

Arthroscopic Repair

Arthroscopic repair of the knee to repair cartilage is one of the most common surgeries but apparently, it’s ineffective when it comes to pain. Studies have shown that they don’t Alternative Treatments for Painimprove symptoms any better than physical therapy but sometimes it does like hip surgery. Exercise or physical therapy work as well or better than surgery for minor rotator cuff injuries and low back pain. Surgery may speed recovery from a slipped disk or spinal stenosis, but those using non-invasive therapies for at least 2 years felt better just as well.

The moral of the pain story is that number 1, everybody’s pain is personal. Two, multiple therapies work better than just one. Three, if it gets bad enough depending on the type of pain and when you're having your pain, surgery may help. Also, physical therapy is more important, especially as you get older. The final decision of there alternative therapies for pain rests with you, so you have to make sure that you understand all your options when it comes to pain relief.

Mentioned in this Episode:

ConsumerReports.org – Real Pain Relief, Now!

This post about retirement and retirement lifestyle first appeared on http://RockYourRetirement.com

Different Pain Medications – Episode 182

Kathe and Les talk about the different pain medicationsMedications Do Not Eliminate Pain Completely

There are different pain medications out on the market. Pain medications are drugs used to relieve discomfort related to an illness, an injury or surgery and it is a complex process. Kathe and Les are back in this episode to talk about the article, Real Pain Relief, Now! There are different pain medications that provide relief by acting through a variety of mechanisms. When you are taking any kind of medication, you should start with the lowest dose possible. This is to alleviate your pain and not jump into a large dose. If you start with Ibuprofen for instance, which is usually 200mg per pill. The doctor will prescribe 800mg but you should start with the 200mg, if the 200mg does it, that’s what you should live with.

A section of the article starts out by saying, “The goal of pills, patches, and creams is to take the pain down a couple of notches, not eliminate it completely.” This is to allow the person to exercise, work and socialize. Because, when you can take the pain down then you can do the movement which we talked about in the last episode. The typical doctor is going to just prescribe pain medications because the typical doctor is not necessarily trained on chronic pain. Just like we’ve said on the first episode, there’s 1 doctor in every 28,500 people that’s trained in chronic pain. And chronic pain is not helped by these short term drugs that are being tried. That's the downside when taking these different pain medications.

Different Pain Medications that Relieve Pain

Supplements. There are different pain medications that are prescribed and there are some that are necessarily not prescribed but can be helpful. Which falls under the category of supplements. Marijuana may relieve certain types of pain. The drug industry is not funding trials on supplements because they want to sell their drugs. Supplements like fish oil help reduce inflammation type pain and pain that is neurological. Another one is vitamin B and D. If you have deficiencies in these vitamins certain types of pain are going to be worse.

Over-the-Counter Drugs. One of the other things that I found interesting that drugs like Ibuprofen and Aleve reduce swelling whereas Acetaminophen (Tylenol) makes you think that you’re not feeling pain. For Les’ personal experience, Ibuprofen works better than Acetaminophen for most of his pain. For headache pain though, Acetaminophen works better for Les than Ibuprofen. Acetaminophen and Ibuprofen are good for muscle and joint pain but they don’t seem to be very effective against nerve pain. A combination of Acetaminophen and Ibuprofen has had an effect very similar to opioids but you need to talk to your doctor before doing these combinations.

Topical Creams. Topical creams like Tiger balm don’t necessarily make the pain go away as much as they make your body react to the burning/cold sensation, taking away from the other pain. There are these compounds called salicylates that produce the feeling of heat or cold to keep the nerves busy transmitting those sensations of pain instead of pain.

Prescribed Drugs

Antidepressants. There are different pain medications that need a prescription. Some doctors prescribe antidepressants for pain, which seems to be dangerous. There’s only one of that drug that has any connection with pain and that is duloxetine (Cymbalta). But it has a side effect of weight gain, constipation, and suicidal thoughts. Small doses can help with fibromyalgia, headache prevention, and pain dueDifferent Pain Medications to nerve damage.

Anticonvulsants. Anticonvulsants are dealing with the nervous system. If you have nerve pain it would have some effect but it doesn’t help if you have back pain. Also, like antidepressants, it can cause suicidal thoughts. These things that are working on your nervous system can cause weird thoughts. Samples of these drugs are pregabalin (Lyrica), and carbamazepine (Epitol and generic). Epitol can cause deadly allergic reactions. Not only you have these suicidal thoughts but you could die taking that drug.

Muscle Relaxants. When you have a muscle that cramps up, relaxing that muscle is going to help with that pain. Also, When Les has Sciatica, which he has every once in a while, the pain is not a nerve that is being pinched as much as the muscle that is cramping up. He thought that a muscle relaxant would be the right thing to take but he doesn’t like to take it very often. It makes him tired and groggy. Muscle relaxants only work for 3 weeks. And you should never take these alongside opioids.

Opioids. Considered to be some of the strongest painkillers available. It can have a positive effect when you have pain but you should not take it on a long term basis because they can have serious consequences like increased sensitivity to pain, which may result to dependency and overdose.


With these different pain medications, you have to take them very carefully. Most of the medications you take have different side effects on your body. These are just one part of a pain treatment plan and there are many things you can do to help ease the pain.

Mentioned in this Episode:

ConsumerReports.org – Real Pain Relief, Now!

This post about retirement and retirement lifestyle first appeared on http://RockYourRetirement.com

Therapies That Ease Pain – Episode 181

Kathe and Les talk about therapies that ease painHow Can Sleep Help Your Pain?

In this 2nd episode of our 4-part series on pain, Les and I talk about an article on pain relief. Did you know that sleep also helps with dementia? When it comes to easing pain, It will depend on what the pain is. If the pain is caused by inflammation, it tends to go down as you sleep because your body is trying to heal itself. But there are other things that cause pain in your brain. For example, neuro pain. Your brain is running during the day on full but in sleep, your brain is resting so oftentimes the neuro pain also rest along with your brain. This is a combination of healing and calming your body when we’re talking about not skimping on sleep.

If you’re working while you’re sick your sickness is going to last longer. You’re going to feel horrible longer because you didn’t give yourself time to heal. That is why, in any case when it comes to chronic pain sleep is really important.

Combining the Treatments is the Key to Ease Pain

In the last episode, Les touched on the fact that he’s been having pain at night and he’s been taking Ibuprofen so that he can sleep. It’s been helping him wake up with no pain. Also, removing some devices like cell phones, lights, before you sleep, helps. Sometimes when Les is in pain he just gets up and walks around. But a lot of people don’t want to move because it hurts to move. Oftentimes people would have pain and they’ll not use that area of your body that has pain and that is when atrophy comes in. Maintaining an active lifestyle or being proactive will help you feel better if you want to ease the pain.

Physical Activity Can Ease Pain and Improve Your Ability to Move Through the Day

A physical therapist can help you with this, it doesn’t have to be lifetime physical therapy but they can help you. They can offer strength and stretching exercises that are tailored to your own needs and on your own abilities. There are also certain posture improvement programs such as the Alexander Technique and Feldenkrais. These posture improving programs can really help ease the pain. Because as you get older a lot of the pain is in your back and it’s usually because of the bad posture. When Les tries to improve his posture even when he’s walking, it makes a difference.

The article talks about Tai Chi and yoga and how it helps manages pain. But what we’re doing is Qigong, it’s kind of like Tai Chi but it’s more on meditative movement. The article talks about the mind, body connection. That’s what that kind of movement with meditation does, it connects the body and mind. It’s definitely relaxing and you feel less pain after the session.


Typically, in Cognitive Behavioral Therapy, you get 7-10 sessions and the therapist can teach the patient to identify thoughts and behaviors that actually worsen pain and Therapies that ease painreplace them with a new thought pattern designed to calm the nervous system and ease the pain. You can ask your doctor for a referral and you can look for a therapist that has training on this kind of therapy.

When you go to a massage therapist it’s helpful to know what kind of training they’ve had. A chiropractor, for instance, would be helpful because they understand anatomy and physiology. It’s important to pay attention to that because you go to a massage therapist that doesn’t help you might be because they don’t understand your body that well.

Acupuncture also helps with pain but you have to go to somebody who knows what they’re doing and that’s not easy to find necessarily.

Acupuncture, massage therapy and the type of chiropractic that Les was doing are not covered by Medicare. Sometimes when we're dealing with our health, we don’t necessarily want to just do things that are covered by insurance. We have to take upon ourselves to go outside of what is covered by insurance and we’ll be better and healthier in the long run.

Mentioned in this Episode:

ConsumerReports.org – Real Pain Relief, Now!
Alexander Technique
Feldenkrais MethodFel·den·krais/ˈfeldənkrīs
Qigong – /ˌCHēˈɡäNG

This post about retirement and retirement lifestyle first appeared on http://RockYourRetirement.com

How Pain Affects People – Episode 180

Kathe and Les talk about how pain affects peopleToday's subject affects 20% of the US population because 1 of 5 adults experience pain. In our audience, it’s probably more than that because as you get older, it's more likely that you’re going to have pain. For the retirement years, this is also a good subject to talk about. My husband Les Briney is joining us for today's show as we discuss, how pain affects people.

Acute and Chronic Pain

As a result of Les’ cancer. He has pain that is semi-chronic. By the way, there are 2 types of pain, there’s acute pain and chronic pain. Acute is usually very sharp pains and they don’t last that long. Chronic pain lasts for more than 6 months. This is according to the definition by Cleveland Clinic.

Les has stage 4 advanced metastatic prostate cancer. Meaning his cancer has spread to several places in his body. But he seems to be doing ok yet feeling some pain. He has acute pain from time to time. When he went for his chemo he has a lot of pain. Mainly the pain was a nerve type as opposed to joint type. The pains are sharp and shooting that occurs on different parts of his body.

Pain Affects People Differently

About 50 million Americans report pain every day. 20 million of that 50 million can’t do their activities of daily living because of that pain. We also have friends who encounter that same problem.

Pain is both a sensory and emotional experience that affects people differently. What's more, there is a difference between how you are confronted with pain and how you go on to tolerate it. Your body has different reactions to try to reduce the pain. That is why it affects people differently.

How Physicians Treat Their Patients

A report prepared by Congress said that for every physician certified in pain care there are more than 28,500 Americans living in chronic pain. Also, doctors treat patients differently depending on what their gender is, ethnic background and all kinds of things. Women, for instance, don’t get necessarily the same reaction to pain when a doctor is a man. 70% of doctors are males. So, you already have some bias there.

Acute pain is treated normally through drugs and it’s a temporary thing. Chronic pain drugs cannot make the pain go away. Also, when you use opioids for chronic pain it becomes less effective over time.

When it comes to older people with pain, they are put off by doctors because they think that it’s expected as you grow older.

Treat Pain Through Combination of Things That You Do

Each person's pain should be treated by a combination of things that you do. It’s not something for chronic pain in particular. It is also not something that you can do once and How Pain Affects Peoplethat will be the end. This is something that you’re going to have to do for probably the rest of your life to try to get rid of the pain. The combination of all the things that the article talked about makes very good sense.

The fact that it’s personal says your combination is going to be different from my combination. In Les’ case, probably the key thing is a combination of sleep and exercise. Because when Les does those things, generally, he feels better. With sleep, if you have pain, you can’t sleep. So, Les’ use Ibuprofen to keep the pain down as such a level for him to sleep. You have to think about other things than pain. That is why you have to move around and occasionally use pain killers.

It is important that you understand the symptoms of pain and how to reduce pain. Dealing with pain whether acute or chronic is difficult but proper knowledge will help a lot in alleviating your problem.

Mentioned in this Episode:

ConsumerReports.org – Real Pain Relief, Now!
Cleveland Clinic

This post about retirement and retirement lifestyle first appeared on http://RockYourRetirement.com