Showing posts with label death. Show all posts
Showing posts with label death. Show all posts

Thursday, August 13, 2026

Barbservations From a Death Cafe

As I have noted previously, I volunteer as a room host for the same non-profit educational foundation that I am a paid instructor for. As a result, I get to learn a lot of interesting things for free. I recently attended a Death Café class as a volunteer (and observer). Below are my key take-aways:



Death Café Definition- A Death Café is a welcoming, group-directed conversation where people gather to discuss death, dying, and end-of-life experiences in a safe, respectful environment. It is NOT a grief support group or counseling session but, rather, an opportunity to share thoughts, ask questions, and engage in meaningful dialogue. A local hospice agency facilitated the group.

 

Death Café Movement- This program was definitely not unique to the Florida city where I live. The Death Café movement began in Switzerland in 2004 and later expanded internationally, encouraging open conversations about mortality and helping people make the most of their lives. People enjoy free refreshments as they talk about death and dying in a relaxed environment.

 

Range of Emotions- After an initial full group conversation, the16 attendees were divided into two smaller groups of eight. Over the course of 90 minutes, I observed both hearty laughter and heavy sobbing (men and women alike!) as people shared stories about themselves, their loved ones, and their greatest joys and fears. There were no lectures but, instead, totally authentic sharing among people who were strangers. The biggest financial fear that I heard expressed was running out of money during their remaining lifetime, which echoes findings from many older adult surveys.

 

Thought-Provoking Questions- The initial full group conversation started out with three questions: How old do you want to be when you die? How far are you from that age? and What are you planning to do in between? (i.e., what is on your “bucket list?”).  I was amazed that a handful of  people said things like “ I don’t have a bucket list,” “I’ve done everything I want to do,” and I’m OK if it (death) happens tonight.” I erroneously assumed that everyone has some unfinished business on a “to do” list but apparently not so. Instead, I noticed a sense of calm about facing the end of life.

 

More Pointed Questions- In the small groups, people were given large index cards with questions like “Who is your support system?” and “When you die, do you want to be alone or with others?” and “You have one week to live: what concerns do you have?” and “Who was the first person who you saw die and how did you feel?” and “How much end-of life medical treatment do you want?

 

Wide Range of Topics- As a volunteer, I was seated close enough to the two groups to follow their conversations. Among the topics that came up were probating a will, dying without a will, finding an attorney, regrets about not being able to go back to talk with ancestors, several “I wish I’s…”, estranged relationships, fear of an extended need for long-term care, suicide and assisted suicide, and the difficulty of holding end-of-life conversations with loved ones.

 

To summarize, the experience of watching an in-person Death Café in action was enlightening and provided lots of insights to write this post and to prepare future personal finance classes. There are also virtual Death Cafes that are held on Zoom and hosted by various facilitators worldwide.

 


This post provides general personal finance or consumer decision-making information and does not address all the variables that apply to an individual’s unique situation. It does not endorse specific products or services and should not be construed as legal or financial advice. If professional assistance is required, the services of a competent professional should be sought.

 

 

Thursday, February 29, 2024

The End of Your Life: Will it Be Good or Bad?

 

A frequently used quote is that “nothing is certain in life except death and taxes.” One of the topics that I wrote about in my book, Flipping a Switch: Your Guide to Happiness and Financial Security in Later Life, is having a “good ending” to your life. 


But what exactly does that mean?



For many people, a “good ending” means dying in peace, preferably at home with loved ones nearby. In addition, most people want a “Niagara Falls” death versus a long period of decline. In other words, to live well for as long as possible and then “go over the edge” and die quickly.


Other hallmarks of a “good ending” to life include the following:


    Organized Financial Records- Prepare a “financial center” (e.g., desk drawers) for documents like insurance policies; recent income tax returns; bank, investment, and credit card statements; and copies of a will, living will, etc. Make sure trusted parties have access, if needed.


 

   Personalized Financial Statements- Provide trusted parties with a current net worth (assets minus debts) and cash flow (income minus expenses) statement, contact information for financial advisors (e.g., lawyer, insurance agent, etc.), and login information for digital assets.



   Advance Directives- Contact an attorney to prepare a living will and health care power of attorney. Doing this will avoid “hospital hallway huddles” by stressed out relatives and ensure that your personal wishes regarding end-of-life care are respected.


 

   Buried Hatchets- Reach out to estranged family and friends with words like “thank you,” “I love you,” “please forgive me,” and “I forgive you” before it is too late. Apologize to those you love if you hurt them and tell friends and family how much they mean to you.

 

   Post-Death Instructions- Leave instructions for a memorial service agenda and charitable tribute contributions and select and prepay funeral and burial services. Another way people can take charge of their personal “ending” is by writing their own obituary.

 

Recently, I witnessed and personally experienced four features of a bad (financial) ending:

 

   Financial Infidelity- Don’t lie or withhold financial information. Doing this erodes trust and makes it very difficult for family, heirs, and fiduciaries (e.g., executor) to move forward.

 

   No Financial Statements- Don’t force your loved ones to be “forensic accountants” and have to reconstruct your finances from statements and a checkbook register. It is not easy to do!

 

   No Funeral Plans- Don’t force a family member to have to unexpectedly put a 4- or 5-figure cremation or funeral bill on a credit card because no plan or set-aside funding was available.

 

   No Digital Assets Inventory- Leave a list of logins for digital devices and online accounts. Don’t force your survivors to try to track this data down or permanently have to live without it.


Bottom line: 

    Make the time, while you are able, to take actions that increase the liklihood of having a good ending to your life. It is a gift to yourself and your family.

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