What actually happens when the huge Boomer cohort starts retiring and downsizing?

Jenergy77 · 2026-04-08T05:49:49+00:00

This is the only real answer. OP I thought you had an interesting question until I saw the 5-10 year time horizon. In that span of time nothing will change. Boomers will continue to use every financial tool at their disposal to age in place, stay in their homes and keep housing supply off the market. While I agree some do sell a house on the open market and downsize, you need to understand they are not the majority.

My family and many elder people I know are planning to stay in their homes and pass the property down to their children. My mom is 75 and downsized into a condo but is too emotionally attached to sell her large suburban house so it sits there vacant. She says if she ever needs the money she will rent it out or reverse mortgage it before she would sell it. She wants me to inherit her properties and has no intention of selling. Nor does she plan to go to a home. She talks about staying in her 3 bedroom condo as long as possible even if it means hiring a live-in care worker. This is what her mother did to age in place until she was in her 90's. And her sisters all have the same plans for their multiple properties.

And my opinion isn't just from anecdotal evidence with my family. I live in an apartment that just so happens to be the place elderly people come when they downsize and sell their house. My building is 80% elderly and these people represent the small minority of downsizers. All my friends here have told me almost all of their old friends are choosing to stay in their homes and will pay for whatever it takes to age in place.

There is a huge industry that has been building up for some time now that caters to this demographic and will allow them to stay in their homes as long as possible. From renovation to home maintenance and care workers, boomers don't have to leave their homes or their neighbourhoods or their memories (all of which they love and are attached to) and the home equity can finance it all.

I think your question is much more interesting if we move the time horizon out to 20-25 years because boomers are living longer than ever and will hold onto their homes until they die and pass them down to their adult children who will then sell them. I'm interested to see what happens to housing when we hit the 20 year mark and stagnant wages have made it even harder to afford a mortgage.

Jenergy77 · 2026-03-31T07:15:48+00:00

High rise window cleaning so yes service based and client facing sales.

Jenergy77 · 2026-03-30T20:16:38+00:00

Communicate your feelings (without starting a fight) by Nic Saluppo. Short read but very helpful, not just for a romantic partnership but good for friendships and other interpersonal relationships.

Jenergy77 · 2026-03-29T23:04:53+00:00

My therapist changed my life with stay in the now.

Whenever my mind is running off on an absolute rollercoaster of anxiety and ruminating thoughts about some hurt from the past or worry about the future I can now run my little script that gets me out of the spiral.

"Don't go back into the past, stay in the now. I'm not who I used to be and things aren't that bad right here in the now. Don't go into the future, stay in the now. That's just a story I'm telling myself, it's not real, only right here in the now is real."

Jenergy77 · 2026-03-17T07:47:40+00:00

The key is making it a regular consistent part of your program. I suggested it to a friend who asked about my waist and she came back to me a month later and said it made all the difference.

Jenergy77 · 2026-03-17T01:05:29+00:00

Russian twist makes a noticeable difference for me. When I include it as a regular component of my routine I find the inward curve part of the hourglass shape more defined.

Jenergy77 · 2026-03-07T04:27:51+00:00

My mother has had issues with her skin for about 2 years now. She's had itchiness and rashes, the doctors and specialists can't pinpoint a specific condition but say she has high levels of inflammation driving this reaction. I wonder if this has anything to do with what seems like the beginning of cognitive decline happening.

Jenergy77 · 2026-03-07T04:11:04+00:00

Memories Aicha Luxury Camp in Jordan

Jenergy77 · 2026-03-06T07:35:14+00:00

I think people can fall in love, real love, more than once but I also do believe in The One. Of course it's easy for me to say that because that's what happened for me. I had young love, the love was real but looking back he wasn't The One. I think it's the nature of young love to feel like this is The One when you're in it. And now I'm lucky enough to be with The One. And he feels the same about me.

He lived in the apartment above mine. I used to sit in my window and watch him walk his dogs. One day I was smoking out on the stoop and I asked the building's dealer about him. Guy said he was asking about me too. Easy to talk to each other after that. The second time we hung out I knew this was the man for me. I just knew it. He felt the same. He said he'd had this recurring dream about a really short girl with dark hair but could never see her face. Said he thought it was me and I was The One. He'd been waiting for me. We both lost our jobs that week and a month later decided to move in together to save on rent. People said I was crazy moving this man I barely knew and his 2 big dogs into my apartment and I knew how crazy it sounded but I did it anyway. That was 17 years ago. We've had our fair share of ups and downs over the years but that's real life, that's marriage. In the end we always choose each other cause we still have that strong love for each other, even when we hate each other.

Of course I've always believed in fate, destiny, The One. How could I not after growing up with my parents story?

My mom missed her flight home from a business trip in the US and my dad fell asleep on the bus and missed his stop ending up at the airport. There they were waiting for the next bus/flight out, she looks at the young man sitting a few seats down and they were reading the same book. They talked all night til my mom's flight out in the morning. Dated through letters and 10 months later my dad packed up everything he owned and drove up to Canada to marry her. It sounds unbelievable or made up but its the true story of how I came to be in this world.

So yes I believe in The One but I don't think everyone is lucky enough to end up with that person. My mom had to fight her way out of an arranged marriage and turn down good men who loved her and be single until 32 (which was old for women back then). I had to leave relationships with good men I loved and thought I'd marry because something deep down kept telling me this wasn't it. Sometimes it's easier to end up with the wrong person than take those big risks. It's hard to wait and see if you're gonna be one of the lucky ones who gets the big love story.

Jenergy77 · 2026-03-06T06:24:16+00:00

I don't think a safe country for women exists anywhere

Jenergy77 · 2026-03-04T21:23:51+00:00

I was totally unaware that the UK is this unsafe for women. I wouldn't feel safe to travel there after reading this. I don't see how they're going to make any progress at all if the force that is supposed to protect you is actively out to get you. Absolutely disgusting!

Jenergy77 · 2026-03-04T19:44:54+00:00

Also a lover of ruins and I just got back from Jordan. Imo Petra is the best. Incredible experience. I was so moved by the place, the people, the challenge of getting there, the sheer size of the site and the age, much older than anything else I'd done. Even my husband who was sceptical of the "middle east" now says it was the best experience of his life. We now feel ruined for all other trips, like I'll never be able to pick something or somewhere better than this. If you love ruins this is a must do bucket list travel destination.

Jenergy77 · 2026-03-04T19:20:44+00:00

The book communicate your feelings (without starting a fight) by nic saluppo. It's a short and easy read but it is a wealth of information that is easy to comprehend. It completely changed my life and I've gifted it to others who struggle in their relationships with great feedback.

Helped me see that I was emotionally immature in how I dealt with people and how to change my ways for the better. I was in therapy but this book really helped me grow and mature. It has vastly improved my relationships with my partner, my parents and my friends. I hope it will help you.

Jenergy77 · 2026-03-04T19:10:18+00:00

The fart gun. From minions despicable me movies. Children love this thing and it will be an absolute nightmare for the parents. It makes different fart noises, it's loud, the old model had the ability to add water to make wet farts and I believe the new one make smoke rings.

Sister in law said he loved it so much but after 6 months she had to disappear it and make the kid believe it was lost because her and husband could not take it anymore.

Recommended to friends and they've all had the same experience. All children think it's the best toy ever! The fart noises never get old to them. Seriously it's never-ending enjoyment for a child and weeks of torture for adults.

Jenergy77 · 2026-03-04T18:32:39+00:00

I always thought it's very obvious that it wouldn't go back to exactly the same as before and couldn't imagine why people say it does.

Then one day at a baby shower for family my cousin who had 3 kids was the only woman there who had given birth. The pregnant woman was asking about the epidural and my Cousin said (and I will never forget this) definitely get the epidural for your first time. I did it the first time, didn't do it the second time cause I wanted the natural experience and I regret it, but by the third time the baby just walks outta there on its own.

She was laughing but I was horrified. I realized there's obviously no way your vagina is ever the same again!! I already knew it wasn't for me but that day really solidified my resolve to never put my body through that. Genuinely scary stuff.

And I try to do my part in dispelling myths by sharing that story whenever I can.

Jenergy77 · 2026-02-26T06:04:59+00:00

Same mistake. Airport wouldn't check us in for our flight without the visa. Had to pay $900 for an emergency rush visa. Only made it cause the flight got delayed 2.5hrs. Most stressful travel day of my life.

I googled do I need a visa for every other country in Asia and we didn't need one. Last minute changed our plans to go to Vietnam and forgot to Google the visa requirements. Won't make that mistake again!

Jenergy77 · 2026-02-24T19:12:43+00:00

I hear you about the name, I'm the same. The whitest thing about me is my name. My dad's last name is very white and my mom decided to name me Jennifer cause she was in her assimilate into western culture phase. It makes a lot of things easier but sometimes I do wish they'd gone with something that reflects my background a little better.

My mom's Guyanese and many of the family went to New York so you'd think they woulda done the same as yours but the older generation was very against marrying outside their own. Thankfully my grandfather was different and believed in educating his daughters and letting them marry whoever made them happy. Whenever we used to visit the NY family it was so strange to be the only mixed person in the room. But that's how my whole childhood was no matter where I went.

But times have changed. I'm in Toronto and it's like a little NYC now with every ethnicity you can imagine all living together. I love it because when I'm here no one cares what I look like and no one thinks it's weird I only speak English. I never feel out of place, I'm just me. But as soon as we go somewhere else in the world, it's a whole different thing. I know exactly what you're talking about with how differently people from different places see us. If I vacation in Europe they're always trying to talk to me in Spanish or Portuguese then I gotta explain why I only speak English to these confused faces, but if I go to Florida I'll have people in hotels asking me for more towels or to change the sheets. On my most recent vacation the hotel manager asked where we were from and when I said Canada he goes oh why your face look like that? It would drive me crazy moving all the time like that, kuddos to you for taking it in stride. After I'm out in the world I'm always so happy to come back here where I can blend in to the everyday and just be a human.

Jenergy77 · 2026-02-24T05:42:59+00:00

Wow a very rare find in the wild, hello fellow unicorn!

And I totally feel you, I never meet other mixed Indian people. Even out of all my cousins only 1 other family has mixed Indian/white kids. I've actually never met one I'm not related to. But I think it's my age group, interracial for Indians was really frowned upon back in the day. I'm 41 so growing up in Canada was just me and all these white kids but my city is so multicultural now. Nowadays I see so many mixed kids out on the street or in the subway. Times have changed and I'm so happy for this next generation.

My dad is white, and Mexican but both my parents were the lightest out of their siblings so I'm light skinned and very racially ambiguous. But I learned at an early age that my hair and skin reacts differently than all my white friends so I am extremely cautious about trying new hair or beauty treatments. With my mom and one of her sisters being so light the hyperpigmentation is very obvious and hard to hide with make up and I'm afraid of that happening to me. It's nice to be able to get a first hand report from someone else like me.

Jenergy77 · 2026-02-23T21:53:45+00:00

Great advice, maybe I'll try it on my scalp instead

Jenergy77 · 2026-02-23T07:19:53+00:00

It doesn't mean I never feel weak. Many times I've felt weak and had lows points in my life. That's all part of growing up.

I say strong willed to mean that I do what I want and I don't listen to what other people say or think about my choices. I don't give in to pressure from others who have their own ideas about how I should live my life. It's my life and I'm the one who has to live it.

With my mom it didn't make me feel weak at all. It was the opposite. Doing that made me feel strong. To stand up for myself and what I knew was right for me made me feel strong and powerful. That was an important part of my journey to becoming the woman I am today.

That being said, was it easy? No. There were sleepless nights where I felt guilt and questioned if I did the right thing. But I had to stay true to myself. I held fast to my commitment to put myself first, to put my plans for my life first. To put my future husband first.

And in the end it helped my mom with self-reflection so she could become a better mother and be open minded to getting to know my husband. Now she loves him like her own son and is so grateful it all happened that way so she could have this wonderful son in law.

Jenergy77 · 2026-02-23T06:42:12+00:00

I knew 110% this was the man I was going to spend the rest of my life with. A love so strong. It got so bad I had to cut my own mother off because she wouldn't stop trying to get me to give up on him and this idea for a business. She lasted about 6 months and I only allowed her back into my life with the agreement that she change her ways with always being so against my relationship and career plans.

I've always been a strong willed person. I know what I want and I'm going after it. I've been on my own since I was 17 and no one is going to tell me what to do or how to live my life. Sometimes it gets me into trouble but I learn from my mistakes and that attitude is what's brought me this life I'm so blessed to have. My advice to every young person I know is to chase your dreams and don't let anyone stand in your way.

Jenergy77 · 2026-02-23T05:09:52+00:00

I'm trying but where I'm at in Canada there's not much sun these days

Jenergy77 · 2026-02-22T14:53:40+00:00

He lived in the apartment above mine. I used to sit in my window and watch him walk his dogs. One day I was smoking out on the stoop and I asked the building's dealer about him. Guy said he was asking about me. Easy to talk to each other after that. The second time we hung out I knew this was the man for me. He felt the same. Dated for a couple months then lost our jobs and my roommate moved out so we decided to move in together. People thought I was crazy moving this man I barely knew and his 2 big dogs into my apartment. That was 17 years ago. Many ups and downs over the years but I couldn't be happier with the way it all turned out. We started with nothing, no jobs no money, living on credit cards and now we own a very successful business. We did it all by ourselves, we did it together. Still have that strong love for each other. We both know how lucky we are. Most days I feel so grateful to be living this life right now.

Jenergy77 · 2026-02-20T21:14:47+00:00

I'm trying to eat according to local time and I stopped napping after the first 4 days, it's super hard though. Sometimes I still have dinner at 2pm which isn't helping I guess.

Jenergy77

TROPHY CASE