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World's oldest practicing doctor shares his secrets to a long life

While most people slow down with age, Dr Howard Tucker has spent more than a century proving that passion and purpose are the best medicine. At 102 years old, the American neurologist has lived a life so extraordinary it earned him a Guinness World Record as the oldest practicing doctor – an honour he received just before turning 99. Though he officially hung up his white coat at 100, Tucker remains as active and engaged as ever. Today, he lectures future physicians at Case Western Reserve University in Cleveland, Ohio, and consults on medico-legal cases – work made possible by a law degree he earned at 67. His message? Retirement is not a requirement. “Retirement, I think, is the enemy of longevity,” Dr Tucker recently told Al Roker on NBC’s Today. “You have to have some purpose in life and get up in the morning and know what you’re about.” Even after the hospital where he worked shut its doors in 2022, ending his medical practice at 100, Tucker hasn’t ruled out returning to clinical work. “If it wasn’t for the closure, I’d absolutely still be seeing patients,” he told People. “Nobody wants me at my age – but I’ll keep trying.” His enthusiasm for life has captured the public imagination, especially through What’s Next, a documentary about his life produced by his grandson. The film has gone viral on TikTok, turning the centenarian into an unexpected social media sensation. Dr Tucker credits his longevity not just to good genes – his parents lived to 84 and 96 – but to lifestyle choices. “Heredity and family history of longevity is a healthy start,” he wrote in his Guinness World Record submission. “However, it must be supported by moderation of nutrition, alcohol and happiness.” His daily routine reflects that philosophy. He snowshoes in the winter, walks on the treadmill for at least four kilometres a day, and eats a mostly clean diet – fruit and cereal in the morning, fish and vegetables at night. Lunch is often skipped to maintain mental clarity. Dessert, however, is a staple – typically fruit or ice-cream, enjoyed with his wife of over 70 years. And while he rarely drinks, he allows himself the occasional martini. One thing he’s always avoided: cigarettes. Dr Tucker also says its important to keep the brain stimulated. “If they retire from their work, they should at least do something as a hobby,” he told Today. “You need a stimulus for the brain daily.” Science backs him up. Research shows that ongoing learning, social connection, and a sense of purpose contribute to mental acuity and longevity. Tucker’s life is a blueprint for all three. He remains close to his four children and 10 grandchildren and is an avid sports fan. Despite a fall in his late 80s that ended his skiing days with a broken neck, Tucker hasn’t let injury slow him down. Instead, he’s adapted, always finding new ways to stay active. With his 103rd birthday on the horizon in July, Dr Tucker says he isn’t concerned about the end. “I never think of death,” he said. “To be alive is to know that you’re going to die because life is a fatal disease. And so I live it.” For a man who’s devoted his life to healing others, Dr Howard Tucker’s greatest lesson might be how to truly live. Images: Instagram

Caring

How to get started investing later in life

For some people – particularly women – investing may not have been an option until now, constrained by a lack of income while raising children or low incomes leaving nothing to invest once the bills were paid. Others find a new-found need to invest later in life, such as after a separation, inability to work through illness or injury, or the sudden death of their partner. No matter your reason for exploring investing later in life, the following pointers will get you on your way to building financial independence and a comfortable retirement. Update your strategy When was the last time you updated your spending and investment plan (or household budget)? It may have been before the kids left home, your mortgage was paid off, or you began transitioning into part-time retirement. If so, your living costs have changed significantly – work expenses, home energy consumption, groceries etc. Furthermore, your goals, healthcare and lifestyle needs may also have changed. Update your strategy to align with your current goals, values, income and spending habits. Only then will you understand how much you can afford to invest and where to direct those funds. Right-size your superannuation In your later years, super is likely to be front of mind. Ensure this investment works its hardest for you by scrutinising its: • Structure: retail or industry fund? SMSF? Each has its own costs and benefits to contemplate. • Investments: reexamine the types of assets held, level of diversification and risk weighting. • Insurances: do you have adequate life, permanent disability and income protection cover? • Take advantage of superannuation strategies you may not be aware of Unlock home equity The biggest source of money you likely have at this stage of life is equity in your home. This can be used to invest with minimal impact on your everyday finances. In fact, unused equity is effectively dead money (until you sell the property). I always urge caution on reverse mortgages. In theory, they seem like a great way of unlocking equity without saddling you with regular repayments. However, they typically: • accumulate more debt. • have higher interest rates than standard mortgages. • only grant access to a portion of your equity. • can restrict your options to downsize later. • could leave you with no remaining equity when you sell the property or nothing to leave to your benefactors when you pass away. Consider downsizing An alternative to refinancing is downsizing from the family home. As well as unlocking money for investing, you benefit from lower upkeep costs (and cleaning!) on a smaller property and can make a lifestyle change at the same time (moving nearer to family, away from bustling cities, or into supported care if required). Additionally, you may be able to use part of the sale proceeds (up to $300,000) to turbocharge your super with a one-off <a href="https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/downsizer-super-contributions" target="_blank" rel="noopener">downsizer contribution</a>. Examine pension impacts Investing can impact your ability to claim the age pension when you retire, and how much you receive. This often comes to bite people who unlock equity in their home to invest, without realising that doing so means the money suddenly counts towards the pension means test. Before doing anything, methodically weigh up which will leave you financially better off – claiming a full or part pension, or self-funding your retirement through investments. Minimise tax Hefty tax bills can easily wipe out any investment returns, making tax a crucial factor in your decision-making. Potential tax considerations to factor into your strategy include: • Determining the most tax-effective ownership structure (e.g. do you invest in your or partner’s name? Through your super? Through a trust or company? • Incorporating stamp duty into purchase costs. • Ensuring there is enough profit from the sale of an investment to cover Capital Gains Tax (CGT) and income tax liabilities before deciding to sell. • Timing a sale to fall within the optimal financial year (e.g. in a year where your taxable income is lower or when relevant tax changes come into effect). Invest in knowledge Later in life, you have fewer working years remaining to recover any losses. Given the far-reaching implications of investing, I highly recommend first speaking to a financial adviser. Many times the fees are paid for in initial tax savings. They can help you maximise your returns, minimise your tax, ensure you don’t inadvertently leave yourself worse off and give you peace of mind. After all, the whole point of investing is to make money. And, without current professional advice, you simply don’t know what you don’t know! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Retirement Income

Bubsie rides again: A century-old journey retraced across Australia

A century ago, a humble 5-horsepower car named "Bubsie" made history by becoming the first motor vehicle to circumnavigate the Australian continent. Now, a century later, its spirit roars back to life as a devoted team of enthusiasts prepares to retrace its entire 17,500km journey – in a painstakingly restored replica of the original 1923 Citroën 5CV. The year was 1925. With little more than swags, spare tyres and unwavering faith, 22-year-old Seventh-day Adventist missionary Nevill Westwood and his friend Greg Davies set off from Perth in a tiny yellow car. They had a simple mission: deliver literature to the remote outback. What they accomplished was far more profound: a trailblazing voyage across Australia, at a time when roads were scarce and courage was the only constant. Through flooded riverbeds, makeshift tracks and across the sun-scorched Nullarbor, the young men pressed on. With knees jammed beneath the steering wheel, they bounced across the nation in what Westwood affectionately dubbed "Bubsie". The 5CV was small, simple and entirely unsuited for such a grand expedition – yet it carried them across six states, through monsoonal downpours and desolate plains, forging a path for motoring history. Now, exactly 100 years since that audacious journey, a new crew is preparing to retrace their route in a meticulously restored 1923 Citroën 5CV. The project, dubbed <a href="https://rightaroundaustralia.tij.tv/" target="_blank" rel="noopener">Right Around Australia</a>, is led by the faith-based media group The Incredible Journey and has brought together passionate motoring enthusiasts from across the country. Warren May, a car restorer from Western Australia, joined the project in mid-2023 and quickly immersed himself in the mammoth task of rebuilding a vehicle worthy of the original Bubsie. After months of searching, the team found the perfect base: a rare 1923 Citroën 5CV owned by collector Paul Smyth. "It was 102 years old – and in rough shape," Mr May <a href="https://www.abc.net.au/news/2025-05-18/bubsie-citroen-circumnavigation-1925-retraced-in-2025/105257744" target="_blank" rel="noopener">told the ABC</a>. “We had to fabricate a lot of new panels because it was just so old.” The motor, miraculously, was still in good shape. But the bodywork was another story. What followed was a year-long restoration odyssey, with over 1,000 hours of labour, rust cut away and replaced, and every nut and bolt sandblasted and repainted. With the help of friends Colin Gibbs and Graham Tyler, the team brought the little French car back to life – ready to relive one of Australia’s great adventures. The replica has been touring Australia since early 2025, and this June, it will officially begin retracing Bubsie’s route. Starting from Bickley, Western Australia – where Westwood once lived – the car will travel thousands of kilometres, mostly by trailer but driving short stretches through regional towns and historic locations. “It’s about commemorating the courage and determination of those early explorers,” said event organiser Kevin Amos. “Nevill and Greg didn’t have highways. Sometimes they had no roads at all. They literally bush-bashed their way across the country.” Indeed, from the Kimberley to Mount Isa, their journey was defined by improvisation and grit. When they came to the Fitzroy River in northern WA, locals rigged a pulley system to carry Bubsie across. In the Northern Territory, they slid through mud and monsoon rains. They stopped to help others – including a stranded trio near the Nullarbor, who were out of water and near death. Westwood gave them water, fixed their car, and saved their lives. For the modern team, this centennial journey isn’t just about honouring history – it’s about reliving a story of quiet faith and mateship. Dr Laura Cook, curator at the National Museum of Australia where the original Bubsie now rests, said Westwood’s photographs and letters provide a vivid, almost daily account of the 1925 expedition. “His story is more than just a motoring milestone,” she said. “It captures the spirit of a generation who dared to push boundaries. These weren’t professional drivers – they were people of vision and courage.” By December 1925, after six gruelling months, Westwood rolled back into Perth – completing the first full circumnavigation of Australia by car. His companion Greg had returned home early to resume nursing studies, but Westwood pressed on alone. When he returned from overseas the next year, he tracked Bubsie down (it had been sold) and bought it back. Today, Bubsie is more than a car. It’s a symbol of Australia’s pioneering spirit. And as its modern twin prepares to hit the road once more, that legacy rolls forward – not in horsepower, but in heart. So keep an eye out for Bubsie's twin as it rolls through your town, and history comes alive. Images: National Museum of Australia / Right Around Australia

Domestic Travel

Millions of Aussies set to receive cost-of-living pay bump

Prime Minister Anthony Albanese has thrown his government’s support behind a “fair” pay rise for Australia's lowest-paid workers, setting the stage for a potential showdown with employer groups ahead of the Fair Work Commission’s annual wage review. In a submission to the Commission, the federal government recommended a real wage increase – meaning one above the rate of inflation – for around three million Australians earning either the minimum wage or under an industry award. The push is part of Labor’s broader strategy to ease cost-of-living pressures and boost household incomes. “This will help around three million workers across the country, including cleaners, retail workers and early childhood educators,” said Treasurer Jim Chalmers and Employment Minister Amanda Rishworth in a joint statement. “Boosting wages, cutting taxes for every taxpayer and creating more jobs are central parts of our efforts to help Australians with the cost of living.” While the government did not specify an exact figure, it made clear that any increase should outpace inflation, a stance likely to be met with resistance from employers. Business groups, including the Australian Chamber of Commerce and Industry, are calling for a more modest 2.5% increase, warning that anything higher could hurt struggling businesses, especially with superannuation contributions set to rise from 11.5% to 12% on July 1. Last year, minimum wage earners received a 3.75% pay rise, lifting the national minimum wage to $24.10 per hour, or $915.90 per week. With headline inflation then at 3.6%, workers saw only a marginal real wage increase of 0.15%. However, the economic backdrop has shifted. In the year to March, overall wages grew by 3.4% while the consumer price index rose just 2.4%, indicating a real wage growth of 1% for many Australians. Inflation is now within the Reserve Bank’s target band of 2-3%, which the government says supports its call for a generous, yet “economically responsible” wage hike. “An increase in minimum and award wages is consistent with inflation sustainably remaining within the RBA's target band and will provide further relief to lower income workers who are still doing it tough,” Chalmers and Rishworth added. Since Labor took office in 2022, the minimum wage has surged by historically high margins: 5.2% in 2022 – the largest rise in 16 years – and 5.75% in 2023. In total, the minimum wage has increased by $143 per week under the Albanese government. Despite concerns from employers over weak economic growth and rising business costs, the government remains optimistic about a rebound in domestic demand. Its submission acknowledged global risks, including the potential impact of Donald Trump's trade policies, but forecast stronger growth in 2025 and 2026. Prime Minister Albanese reinforced Labor’s commitment to wage growth during a cabinet meeting this week, saying a further increase to the minimum wage would be one of his top priorities heading into the next federal election. “Labor will always stand for improving people's wages and conditions,” he declared. Still, the looming expiry of the government’s $75 quarterly electricity rebates at the end of 2025 poses a risk of reigniting inflationary pressures – something the Fair Work Commission will weigh carefully as it prepares to announce its decision in June. The outcome of the review will directly affect 180,000 workers on the national minimum wage and an additional 2.7 million on industry awards, making it a critical flashpoint in the battle over how best to balance worker welfare and economic sustainability. Images: Instagram

Money & Banking

“Angels in scrubs”: Cancer survivor's pledge to repay the nurses who saved his life

Just six months after completing one of the most aggressive cancer treatment regimens his hospital had ever seen, Shane Whiteford is lacing up his running shoes – not to escape his past, but to honour those who carried him through it. Diagnosed in December 2023 with a rare and dangerously situated Ewing Sarcoma in his neck, Shane’s year-long battle with cancer included major surgery, a gruelling 12 months of chemotherapy, and four relentless weeks of daily radiation. Now in recovery, the devoted father of two, husband and son is taking on a different kind of challenge: running 200 kilometres in the month of June to raise funds – not for hospital equipment or research – but for the nurses he calls “angels in scrubs”! “They help you understand the complexities of treatment, they talk you through each step,” Shane said. “And along the way, they become friends, therapists, a shoulder to cry on, and your rock to rely on.” From chemo chairs to emotional breakdowns, the oncology nurses at <a href="https://www.calvarycare.org.au/hospitals/calvary-mater-newcastle/services-and-clinics-3/cancer-services-3/medical-oncology" target="_blank" rel="noopener">Calvary Mater Newcastle’s Day Treatment Centre</a> were with Shane through it all. And now, he wants to give back. “This fundraiser is for them,” Shane wrote on his <a href="https://www.gofundme.com/f/oncology-nurses-at-calvery-mater-newcastle" target="_blank" rel="noopener">GoFundMe page</a>. “Not the hospital, not the directors… but for my great support team.” The funds raised will go toward whatever the nursing team chooses – “something to make their workdays a little brighter.” Running an average of six kilometres per day, Shane’s goal is part of his ongoing rehab – his return to physical fitness only beginning in February 2025 after months of debilitating treatment. “I am now six months clear and have started to gain my ‘new’ normal life,” he shared. “This run is my way of saying thank you. I couldn't have done my journey without them.” With every kilometre, Shane is not only rebuilding his strength but reminding the world of the quiet heroes in our hospitals. His battle cry? “FU Cancer. I kicked your ass.” And now, with every step, he’s lifting others up – one stride, one donation and one angel in scrubs at a time. Image: GoFundMe

Caring

"Find a life worth enjoying": King Charles opens up on his battle with cancer

King Charles III has opened up publicly for the first time about his battle with cancer, offering a heartfelt reflection on the lessons he has learned during a special event at Buckingham Palace. The monarch, who was diagnosed with cancer in February 2024, described the experience as one that “brings into sharp focus the very best of humanity”, as he addressed guests gathered to celebrate community initiatives raising cancer awareness and supporting those affected by the disease. “Each diagnosis, each new case, will be a daunting and at times frightening experience for those individuals and their loved ones,” the King said. “It has certainly given me an even deeper appreciation of the extraordinary work undertaken by the remarkable organisations and individuals gathered here this evening.” The event was attended by healthcare professionals, volunteers, advocates and families affected by cancer, many of whom Charles has supported throughout his public life. He praised their efforts, noting that his own experience had reinforced a long-held belief: that compassion and connection are vital to the healing journey. “The darkest moments of illness can be illuminated by the greatest compassion,” he said, highlighting the roles of hospice volunteers, specialist nurses and support groups in forming what he called a “community of care”. Charles also expressed his family's deep gratitude to the healthcare professionals involved in cancer treatment across the UK. “They have my whole family’s deepest admiration and gratitude,” he said. “Their care represents the very best our country can offer.” While the King has kept the specific details of his condition private, Buckingham Palace confirmed he was <a href="https://www.oversixty.com.au/health/caring/king-charles-admitted-to-hospital" target="_blank" rel="noopener">hospitalised last month</a> due to side effects from his treatment. His diagnosis came just weeks before Princess Kate, 43, revealed she was undergoing preventative chemotherapy, sparking concern and sympathy across the nation and beyond. Global statistics underscore the urgency of the fight against cancer: in 2022, approximately 20 million new cases were diagnosed worldwide, with 9.7 million lives lost, according to the American Cancer Society. Concluding his remarks, King Charles shared a quote from Dame Deborah James – the beloved British journalist and campaigner who died of bowel cancer in 2022 – whose parents were in attendance at the Palace. “‘Find a life worth enjoying; take risks; love deeply; have no regrets; and always, always have rebellious hope,’” he said. Image: Sunrise

Caring

What every parent should read before becoming the bank of mum and dad

In late 2023, economists Jarden estimated <a style="color: #467886;" href="https://www.afr.com/companies/financial-services/the-bank-of-mum-and-dad-is-good-for-70-000-new-analysis-concludes-20231129-p5enpp">15 per cent of mortgage borrowers received some form of financial support</a> from their parents. A separate poll by comparison site Finder around the same time <a style="color: #467886;" href="https://au.finance.yahoo.com/news/first-home-buyers-reveal-huge-amount-aussie-parents-gifted-them-201221909.html">put the figure at 11 per cent</a>. Fast forward to February this year, with a UBS survey <a style="color: #467886;" href="https://www.abc.net.au/news/2025-02-06/cost-of-living-sting-lessened-by-bank-of-mum-and-dad/104882754">suggesting almost half of first home buyers receive parental assistance</a>. Clearly, the Bank of Mum and Dad is a rapidly growing source of funds for younger people seeking to purchase property. However, some older Australians are now paying a hefty price for having done so without adequate planning and protections. On the hook Amid the excitement of homebuying, many parents overlook the fact they could be left on the hook to cover any shortfall. The worst-case scenario here is losing your own home, as well as your child losing theirs, if you went guarantor on their loan and they defaulted and you didn’t have a backup plan. If you loaned them money which they subsequently can’t repay, the principal amount goes unrepaid and you also miss out on the interest/compound growth that money could have earned if invested elsewhere. You may even be asked to fork out more in future if your child needs help to keep the property or to subsequently buy a replacement property. Unlike for a real bank, there is no public bailout for the Bank of Mum and Dad. Financial shortfall A common problem that I and other financial advisors are now seeing is parents inadvertently giving their children more than they can actually afford. Take people who acted as Bank of Mum and Dad before the pandemic hit. They budgeted how much they would need for retirement and then gave their adult kids money towards buying a home of their own. Then COVID-19 arrived. Countless jobs were lost and businesses shuttered. Many would-be retirees were forced to stay in the workforce for longer than planned. Next came the inflation crisis, with mortgages and living costs soaring. Retirement budgets blew-out as more money was suddenly needed for everyday expenses, particularly energy, insurance and food. Meanwhile ballooning house prices over the pandemic years saw first homebuyers needing even larger deposits. That all translated to significant financial shortfalls for the Bank of Mum and Dad. Elder abuse <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse">Government figures from 2023</a> estimate one in six older Australians suffer elder abuse in some form, with 2.1 per cent experiencing financial abuse – undue control, pressure or restricted access to their own money and financial decisions. Half (53 per cent) of elder abuse perpetrators are family members, with adult children the most common offenders. Given the amount of money involved in property purchases, and the stresses associated with housing affordability, the potential for the Bank of Mum and Dad to suffer elder abuse is alarmingly high. Relationship breakdowns Money is perhaps the greatest source of tension in relationships. Usually that is between partners, yet these can multiply for the Bank of Mum and Dad and its stakeholders. Some examples include: <ul> <li>You and your partner disagree on what or how much assistance to provide.</li> <li>Your other children feel disadvantaged if they don’t receive the same financial assistance.</li> <li>Having provided the finances, you then interfere in how your child manages the property or their general finances, causing resentment to build.</li> <li>A marriage breakdown (yours or your child’s) affects the repayment of a loan or the nature of a mortgage guarantee.</li> </ul> Protect yourself While supporting children is the foremost concern of the Bank of Mum and Dad, it is important to protect yourself too. A written agreement outlining the nature of the support, conditions and contingencies is crucial to keep every aligned. Independent advice from your financial adviser, lawyer, mortgage broker and accountant ensures you fully understand what you are on the hook for, how much you can afford to contribute, and whether there are less-risky options. Finally, be sure that the decision to support your child’s property ambitions is your own and that you aren’t coerced into it. If you’re concerned that you may be experiencing elder abuse, call the free <a style="color: #467886;" href="https://www.health.gov.au/contacts/elder-abuse-phone-line">elder abuse line on 1800 353 374</a>. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

Chaotic ending to final leaders' debate ahead of election

In what historians are already calling The Great Final Showdown (With Bonus Egg Chat), Anthony Albanese has emerged victorious in the fourth and final leaders' debate, with Peter Dutton bravely losing while armed only with a calculator set to 1998 and a deep mistrust of mobile phones. Held six days before the election and hosted by Channel 7 (who have now applied for hazard pay), the debate covered serious national issues like cost of living, housing and why Elon Musk is apparently a Marvel villain. Dutton, swinging from the very first second like a man who accidentally stepped on a plug, declared: "This election is all about who can best manage the Australian economy..." before launching into a heartfelt monologue about crying families, inflation and the distinct lack of cheaper servo pies. Albanese, armed with his Clear Decisive Policies™, clapped back: "Australians have a real choice this Saturday to continue building Australia's future or go back to the past," ... which definitely didn’t sound at all like the slogan of a time-travel movie starring Dutton as a confused tourist in 1973. The real drama came when the leaders tried to guess the price of eggs, which quickly devolved into an episode of The Price is Wrong. Dutton confidently guessed that a half dozen free-range eggs cost "$4.20", missing the mark by about the same distance Pluto misses Earth. Albanese, meanwhile, coolly suggested "$7 if you can find them", proving once again that he’s a man of the people – or at least a man who occasionally braves the horror of the supermarket dairy aisle. Dutton, adopting the highly relatable persona of Uncle Who Complains at BBQs, complained that Welcome to Country ceremonies were "overdone", claiming: "It divides the country." In response, Albanese reminded everyone that Australia shares its continent with "the oldest continuous culture on earth", and managed not to roll his eyes even once, a feat of diplomacy possibly more impressive than anything discussed on foreign policy. Speaking of diplomacy, the two also managed a spirited debate on international relations when Albanese mused: "I'm not sure that he has a mobile phone, the US president, or Joe Biden." ... leading many to wonder if Albanese thinks Biden communicates solely through carrier pigeons or interpretive dance. Not to be outdone, Dutton called Elon Musk an "evil genius", officially making this the first Australian leaders' debate to include a Marvel Cinematic Universe reference. Albanese, playing it safer, described Musk as "Tesla, and a very rich man", thereby demonstrating a deep and comprehensive understanding of modern economics. When it came to energy policy, Dutton insisted that renewable energy was going to "wreck the economy", while Albanese insisted that it was actually already powering "10 million homes". Dutton’s alternative? Nuclear energy, because nothing says "vote for me" like proposing billion-dollar facilities that won't be ready until somewhere around the next ice age. At the end of the night, 60 undecided voters declared Albanese the winner by a margin that was less "narrow victory" and more "rugby team versus toddlers". Albanese took home 50% of the vote, while Dutton earned a modest 25% and the other 25% presumably began Googling "how to move to New Zealand". Whether that final debate will actually change the outcome of the election is unclear. What is clear is that both men left their marks – one as the man who priced eggs like it was still 2005, and the other as the guy who thinks world leaders might communicate exclusively by yelling really loudly across the Pacific Ocean. Images: Network Seven

Woman accused of murdering terminally ill partner hours after palliative care meeting

A woman accused of killing her terminally ill partner after he postponed making a decision on assisted dying has been denied bail by the Queensland Supreme Court. Kylie Ellina Truswell-Mobbs, 50, was arrested on April 3, more than a year after the death of her partner, David Ronald Mobbs, 56, who died at their home in Alexandra Hills, southeast Brisbane, in December 2023. During a bail hearing on Tuesday, the court heard that Mr Mobbs, who had been diagnosed with motor neurone disease (MND), had expressed a desire to delay a decision on voluntary assisted dying just hours before his death. Crown prosecutor Sarah Dennis alleged that later that same night, Truswell-Mobbs made three separate attempts to administer a lethal drug cocktail to Mr Mobbs via his feeding tube. “Her conduct was purposeful and determined,” Dennis told the court. “It continued over a number of hours through the night... her intent was protracted.” According to Dennis, Truswell-Mobbs acted after a palliative care meeting on December 5, where Mr Mobbs reportedly told others he wished to delay his decision about assisted dying by at least a week. Despite this, prosecutors allege Truswell-Mobbs acted within hours to end his life. The court also heard that Mr Mobbs, who used a signing board to communicate, had allegedly been given a lethal dose of drugs. Police claim Truswell-Mobbs later confessed her actions to both a close family member and a professional carer. One witness reported she told them she “couldn’t take it anymore”. Truswell-Mobbs’ defence barrister, Ruth O’Gorman, argued for bail, noting that her client had no prior criminal history and had not fled during the 16 months she was under police investigation. O’Gorman also raised the possibility that the charge could be reduced, suggesting that aiding suicide might be more appropriate than murder. “It’s not inevitable that the Crown would proceed with the charge of murder against her, or that the jury would convict,” O’Gorman said. However, Justice Glenn Martin found the prosecution had a strong case, noting the significant body of evidence pointing toward a potential conviction. He said there was a clear distinction between knowing one is under investigation and being formally charged with murder. Bail was denied, and Truswell-Mobbs is expected to appear in Brisbane Magistrates Court for mention of the murder charge. Images: Facebook

Legal

Pope Francis' cause of death and burial wishes revealed

The Vatican has confirmed that Pope Francis died from a stroke followed by heart failure, according to an official statement released by the Vatican press office. The 88-year-old pontiff passed away on Easter Monday, April 21, with underlying health conditions also contributing to his death. In a statement signed by Andrea Arcangeli, Director of the Health and Hygiene Directorate of the Vatican City State, the Vatican revealed that Francis had suffered a previous episode of acute respiratory failure, along with arterial hypertension and type II diabetes. Pope Francis made his final public appearance on Easter Sunday, where he delivered a brief Easter blessing to thousands gathered in St Peter’s Square. Unable to finish reading his address, the ailing pope sat as an aide delivered the rest of the speech, which called for peace in war-torn regions such as Gaza, Ukraine and Sudan. Following his death, the Vatican also made public the burial wishes outlined in the pope’s will. Francis requested a simple burial in the ground at Rome’s Basilica di Santa Maria Maggiore – marked only with the Latin inscription Franciscus. This will be the first time in over a century that a pope will be buried outside the Vatican. According to the will, an anonymous benefactor has agreed to cover the costs of his burial. With the pontiff’s passing, the Catholic Church now enters a traditional period of mourning known as the Novendiales, lasting nine days. During this time, Pope Francis will lie in state as preparations for his funeral are made. The conclave – the sacred process to elect a new pope – is expected to begin no sooner than 15 days and no later than 20 days following his death. Pope Francis, born Jorge Mario Bergoglio, became the first pope from the Americas and the first Jesuit pope. His death marks the end of a papacy defined by humility, progressive stances and a deep focus on global humanitarian issues. Images: Wikimedia Commons

Caring

Win a free Legacy Film and capture a life story that matters

Have you ever wished you could freeze time – preserve a loved one’s stories, laughter and quiet reflections so they can be cherished for generations to come? Now you can. Danika Armytage, founder of <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">Big Stories Little Films</a>, recently appeared on The Morning Show to share her mission: helping Australians preserve their life stories on film. And now, she’s giving one lucky person the chance to win a professionally made legacy film – completely free. Take a look: <iframe title="YouTube video player" src="https://www.youtube.com/embed/z1DPvQFmZFg?si=8yIDGnbaKRA20n_D" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"></iframe> A legacy film is a beautifully crafted short documentary film that captures a life story, family history, and the wisdom passed between generations – something to treasure forever. Nominations are open throughout April, with the winner to be announced in May. Valued at over $3,000, the film can feature the life story of an individual or a couple. So how will the winner be chosen? “The story doesn’t need to be defined by fame or accolades,” Danika says. “Maybe the person has led an extraordinary life, overcome big obstacles, or perhaps this film is simply something their family deeply wants to preserve. When choosing the winning nomination, it’s really about the story that matters to the people who love them.” While the giveaway is open to everyone, Danika adds that they’re especially mindful of those for whom the timing feels particularly important. “There are some stories that really can’t wait to be told,” she explains. “But truly, I encourage everyone to apply.” If you or someone you love has a story worth telling – and treasuring – head to <a href="https://www.bigstorieslittlefilms.com.au/" target="_blank" rel="noopener">bigstorieslittlefilms.com.au</a> to submit a nomination. And if you DO win, be sure to contact us via <a href="mailto:contact@oversixty.com.au" target="_blank" rel="noopener">contact@oversixty.com.au</a> so we can share it with the world! Images: Big Stories Little Films

Movies

Big changes are planned for aged care in 2025

<div class="theconversation-article-body">There has been little new in pre-election promises for Australia’s aged-care workers, providers or the <a href="https://www.gen-agedcaredata.gov.au/topics/people-using-aged-care#agedcareuseinaustralia">1.3 million people</a> who use aged care. In March, Labor announced <a href="https://www.health.gov.au/ministers/the-hon-anika-wells-mp/media/extra-26-billion-to-deliver-another-pay-rise-for-aged-care-nurses">A$2.6 billion</a> for another pay rise for aged-care nurses in addition to previous <a href="https://theconversation.com/aged-care-workers-have-won-a-huge-pay-rise-what-about-the-cleaners-cooks-and-admin-staff-who-support-them-226236">pay increases</a>. There’s been <a href="https://stories.theconversation.com/policy-tracker/">nothing substantial on aged care</a> from Labor or the Opposition since. Major changes are scheduled for the sector later this year, four years after the damning <a href="https://www.royalcommission.gov.au/aged-care/final-report">Royal Commission report into aged care</a>. Yet no additional funding has been announced. Estimates suggest funding is short <a href="https://www.stewartbrown.com.au/images/documents/StewartBrown_-_Taskforce_Funding_Reforms_Analysis_September_2024.pdf">around $5 billion</a> to address losses by residential care providers or the shortfall in <a href="https://www.health.gov.au/our-work/hcp/about">Home Care Packages</a>. <h2>What can we expect this year?</h2> A <a href="https://www.health.gov.au/our-work/aged-care-act">new Aged Care Act</a> will come into force on July 1 with a much greater emphasis on the rights of older people to get the care that suits their needs. This will mean: <ul> <li> a new system to regulate aged care </li> <li> a new independent complaints commissioner </li> <li> a new <a href="https://www.health.gov.au/our-work/support-at-home">Support at Home</a> program for older people who want to live at home, and in the community </li> <li> changes to fees for residential aged care. </li> </ul> But a number of problems remain and it is not clear the reforms being introduced this year will fix them. <h2>Access is still an issue</h2> Access to aged care <a href="https://www.igac.gov.au/sites/default/files/2024-08/2024-progress-report-on-the-implementation-of-the-recommendations-of-the-royal-commission-into-aged-care-quality-and-safety.pdf">continues to be a problem</a>, particularly in rural and remote areas. The system is difficult to navigate for often vulnerable and confused consumers and their families. The government relies heavily on the <a href="https://www.myagedcare.gov.au/">My Aged Care website</a> to inform older people and their families about aged care options. But this provides only basic information and it is difficult to get individualised support. There is also a “digital divide” for a significant group who are unfamiliar with, and lack confidence in, using online services. So we need a much greater emphasis on providing local “one stop shops” for personalised support and advice, particularly when people first enter the aged-care system. These services could be provided through Centrelink or new regional aged-care offices. <figure class="align-center zoomable"><a href="https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=45&auto=format&w=1000&fit=clip"><img src="https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&fit=clip" sizes="(min-width: 1466px) 754px, (max-width: 599px) 100vw, (min-width: 600px) 600px, 237px" srcset="https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=45&auto=format&w=600&h=288&fit=crop&dpr=1 600w, https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=30&auto=format&w=600&h=288&fit=crop&dpr=2 1200w, https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=15&auto=format&w=600&h=288&fit=crop&dpr=3 1800w, https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=45&auto=format&w=754&h=361&fit=crop&dpr=1 754w, https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=30&auto=format&w=754&h=361&fit=crop&dpr=2 1508w, https://images.theconversation.com/files/660643/original/file-20250409-56-a7c9ej.png?ixlib=rb-4.1.0&q=15&auto=format&w=754&h=361&fit=crop&dpr=3 2262w" alt="Screenshot of My Aged Care website" /></a><figcaption>Not everyone can navigate websites to get information about the care they need. <a class="source" href="https://www.myagedcare.gov.au/">Screenshot/My Aged Care</a></figcaption></figure> About <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release">one-third of older people</a> say they need help to live at home. But to get assistance you need an aged-care assessment and that process too needs improving. <a href="https://www.pc.gov.au/ongoing/report-on-government-services/2024/data-downloads/rogs-2024-partf-overview-and-sections.pdf">Waiting times for assessment</a> have blown out, with reported delays of up to <a href="https://www.theweeklysource.com.au/home-care/older-australians-are-increasingly-dying-waiting-for-home-care-packages-to-be-assigned">five months</a>. <h2>Older people prefer to stay at home</h2> There are some concerns the number of new aged-care beds is <a href="https://www.theweeklysource.com.au/aged-care/the-repercussions-of-a-need-for-6600-new-aged-care-beds-in-fy24-colliers">not increasing fast enough</a>. For instance, there are shortages of residential aged care in particular areas such as <a href="https://www.abc.net.au/news/2025-02-13/act-government-shuts-burrangiri-aged-care-respite-facility/104927780">Canberra</a>. But admission times to residential aged care generally <a href="https://www.pc.gov.au/ongoing/report-on-government-services/2024/data-downloads/rogs-2024-partf-overview-and-sections.pdf">have not increased</a> and occupancy rates are <a href="https://www.pc.gov.au/ongoing/report-on-government-services/2024/data-downloads/rogs-2024-partf-overview-and-sections.pdf">declining</a>. This suggests older people <a href="https://www.australianageingagenda.com.au/royal-commission/most-want-home-based-aged-care/#:%7E:text=A%20survey%20of%20more%20than,to%20live%20in%20a%20facility.">would prefer home</a> to residential care. Yet increased demand for home-care packages is <a href="https://www.gen-agedcaredata.gov.au/getmedia/c2339cbc-3e13-4893-9d03-9ca43ecdc55f/Home-Care-Packages-Program-Data-Report-2nd-Qtr-2024-2025">not being met</a>. For those who need more intensive services at home, <a href="https://www.gen-agedcaredata.gov.au/getmedia/c2339cbc-3e13-4893-9d03-9ca43ecdc55f/Home-Care-Packages-Program-Data-Report-2nd-Qtr-2024-2025">waiting times</a> remain stubbornly and unacceptably long because there aren’t enough home care packages. Despite years of complaints, there are still more than <a href="https://www.theweeklysource.com.au/government-policy/home-care-wait-list-climbs-to-over-81000-with-six-month-delays-at-all-levels">80,000 people</a> on the waiting list for care at home. The new <a href="https://www.health.gov.au/our-work/support-at-home/about">Support at Home program</a> will introduce an eight-level system of support. The highest level of home-care funding will <a href="https://www.health.gov.au/our-work/support-at-home/features#key-elements-of-the-new-program">increase to $78,000</a> to bridge the gap between funding for home and residential care. But many more intensive care packages for home care will be needed to reduce waiting times. The Support at Home program also introduces significantly higher out-of-pocket costs for older people. Such costs for everyday services – such as meals, cleaning and gardening – currently funded through the Commonwealth Home Support Program will <a href="https://www.health.gov.au/sites/default/files/2025-02/support-at-home-program-handbook.pdf">increase significantly</a>. Most controversially, there will also be <a href="https://www.health.gov.au/sites/default/files/2025-02/support-at-home-program-handbook.pdf">greater out-of-pocket costs</a> for “independence” services including personal care, social support, respite care and therapy. <h2>Staff shortages still a concern</h2> For aged-care providers, <a href="https://theconversation.com/we-have-too-few-aged-care-workers-to-care-for-older-australians-why-and-what-can-we-do-about-it-232707">chronic workforce shortages</a> are still the biggest problem. Recent <a href="https://theconversation.com/aged-care-workers-have-won-a-huge-pay-rise-what-about-the-cleaners-cooks-and-admin-staff-who-support-them-226236">increases in wages</a> for aged-care workers, including nurses, are a step in the right direction. But wages are still low. It remains hard to attract staff, staff turnover is high and staff are under-trained, risking the quality of care. Shortages are particularly acute in rural areas. The <a href="https://ageingaustralia.asn.au/media-releases/ageing-australia-calls-on-all-parties-to-make-aged-care-an-election-priority/">aged-care industry is calling for</a> streamlined migration, better training and incentives for regional workers to make up the shortfall. But so far no new election announcements have been made. <h2>No real reform</h2> Despite changes we’ll see from July, the organisation and financing of aged care remains fundamentally unchanged. Overall, Australia’s aged-care system is still heavily privatised and fragmented. In <a href="https://www.health.gov.au/sites/default/files/2024-08/financial-report-on-the-australian-aged-care-sector-2022-23.pdf">2022-23</a> there were 923 home-care providers, 764 residential-care providers and 1,334 home-support providers, nearly all in the private and not-for-profit sectors. The Commonwealth continues to manage the sector through a cumbersome combination of highly centralised regulation and prescriptive funding contracts. It has not put into place an effective, regional management structure to plan, organise and govern the sector to drive quality, innovation, equity, responsiveness and efficiency. Nor has the Commonwealth been willing to adequately finance the system either through a levy, a social insurance scheme or via increased taxation. Instead, it’s upping the reliance on user fees to meet the cost of providing services.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/253727/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/hal-swerissen-9722">Hal Swerissen</a>, Emeritus Professor of Public Health, <a href="https://theconversation.com/institutions/la-trobe-university-842">La Trobe University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/big-changes-are-planned-for-aged-care-in-2025-but-youd-never-know-from-the-major-parties-253727">original article</a>. Image: Shutterstock </div>

Caring

Tragedy on first cruise: Aussie couple’s dream trip ends in heartbreak

What began as a dream getaway for Aussie couple Glenn and Beverley Stein has ended in devastating tragedy, after Glenn, 74, died suddenly during their very first cruise. Described as "humble and hardworking", the couple had never been overseas or on a cruise before. Their four-day voyage from Brisbane to Airlie Beach, a generous gift from their son after a lucky windfall, was meant to be a long-overdue escape for the pair, who had spent more than 50 years side by side. "They had never been on a cruise before, never even been overseas," daughter-in-law Sarah <a href="https://au.news.yahoo.com/carnival-cruise-passengers-8500-blow-after-on-board-tragedy-they-didnt-realise-033649566.html" target="_blank" rel="noopener">shared with Yahoo News</a>. "One of their sons won some money so he thought it might be nice to buy them a cruise." According to Sarah, the couple were thoroughly enjoying their time onboard. But just a few days into the trip, Glenn began to feel unwell, suspecting it was merely “a bit of food poisoning”. True to their no-fuss nature, the Steins tried not to worry and went to bed, assuming he would feel better by morning. Tragically, Beverley awoke the next day to find Glenn unconscious. In shock, she raised the alarm with the ship’s housekeeping staff, who immediately called the onboard medical team. “The staff were amazing. We’ve got a 43-page report detailing all the care they gave him," Sarah said, commending the cruise medical team for their efforts and support during the ordeal. Glenn’s condition rapidly deteriorated. Doctors soon discovered he was suffering from a life-threatening strangulated hernia, requiring emergency surgery. As they awaited an airlift to Bundaberg Hospital, the crew urged Beverley to speak with her husband and prepare for the worst. Even aboard the emergency helicopter, Glenn’s health continued to fail. Once at the hospital, paramedics warned the couple’s children, already en route, to call in immediately. “They managed to speak to Glenn, which was really nice,” Sarah said. Heartbreakingly, just minutes later, when Sarah and her husband tried to call, they were told Glenn had passed away. "He had literally just passed away as soon as they got off the phone." Adding to the family's anguish, they soon discovered that because Glenn and Beverley had unknowingly crossed into international waters, and hadn't purchased travel insurance, Beverley was left facing an $8,500 medical bill. “This was their first cruise; they didn’t realise it was actually out of Australian waters,” Sarah explained, calling the experience a “cautionary tale” for other travellers. While understanding of the fees, the family is now hoping the cruise company might show some compassion and reduce the amount. Loved ones have <a href="https://www.gofundme.com/f/help-bev-after-the-sudden-loss-of-her-beloved-husband-glenn?cdn-cache=0" target="_blank" rel="noopener">launched a GoFundMe</a> to help cover the medical costs and funeral expenses. "Bev is not only grieving the loss of her life partner but is now also facing overwhelming financial pressure," the family wrote. "Any contribution, no matter how small, will go directly toward covering the significant costs associated with Glenn’s passing and supporting Bev as she begins to navigate life without him." Despite their grief, the family has found bittersweet moments of humour in the aftermath. “It’s really funny,” Sarah recalled, “his daughter mentioned, ‘Dad always said he never wanted a fuss and just wanted to go quietly,’ and it’s ended up being a helicopter out and on the news – so he couldn’t have been more dramatic." As they rally around Beverley, the Steins’ loved ones hope their story will serve as a reminder of the importance of travel insurance — and of cherishing every moment with the ones you love. Images: GoFundMe

Cruising

Sad end to search for missing Queensland mother

The family of Tayla Spies, a 29-year-old mother-of-three who <a href="https://oversixty.com.au/finance/legal/major-breakthrough-over-mother-of-three-missing-for-two-months" target="_blank" rel="noopener">vanished over two months ago</a>, has confirmed the devastating news that human remains found near her abandoned vehicle belong to her. Her sister, Rebecca Spies, shared the heartbreaking update in an emotional post on Facebook on Sunday. “It is with very heavy hearts that we announce the devastating loss of our beautiful Tayla,” she wrote. “Although she may no longer be here with us, she will always be in our hearts and I will carry her with me wherever I go.” Rebecca expressed deep gratitude to the many people who supported the family throughout the agonising search for Tayla. “We truly will be forever grateful to our family and friends for surrounding us, supporting us, picking us up when we fell down and for never letting us walk one step of this alone," she said. "Tayla was and always will be so incredibly loved, more than she would ever know. Please bear with us as we grieve and navigate through this excruciating loss as a family.” Tayla’s disappearance on February 2 sent shockwaves through the tight-knit community of Roma. She had been on a weekend trip with her partner in Dalby, several hours from home, when she was last seen. After leaving the Windsor Hotel, she set off alone in her white 2017 Toyota HiLux, while her partner travelled separately. She was later seen refuelling at a service station in Condamine. However, in a puzzling turn of events, Tayla did not follow her usual route home to Roma. Instead, she unexpectedly turned onto the Carnarvon Highway towards the New South Wales border after reaching Surat – a decision that left her family baffled. “Nobody knows why she turned left in Surat to head south instead of north to Roma,” Rebecca had previously told the Brisbane Times. “A number of people had heard from Tayla over the weekend that she disappeared, and she had told everybody on Sunday, February 2, that she was coming home to Roma.” In the painful weeks that followed, there had been no activity on Tayla’s bank accounts or phone, and she heartbreakingly missed her 29th birthday. Police mounted an intensive search, scouring a sprawling 9,000 square kilometres across Western Downs, from Yuleba and Wullumbilla South to Teelba, Glenmorgan and Meandarra. Hope turned to heartbreak on April 3, when Tayla’s HiLux was discovered. Human remains were located nearby shortly after. In a tearful TikTok video, Rebecca revealed that she received the devastating call on Friday. “The police and my family do believe those remains are Tayla’s,” she said. “I was told, at 12.25, that they found remains and it’s most likely my sister.” As of now, police are yet to formally confirm the identity of the remains. Loved ones remember Tayla as a devoted mother and cherished sister whose life was tragically cut short. The family has asked for privacy as they grieve and begin the painful journey of healing. Images: Queensland Police

Caring

Refinancing your home later in life – what you need to know

There are many reasons why you may look to refinance your home. The obvious one is to lower mortgage repayments with a better rate. However, other reasons people refinance later in life include: <ul> <li>unlocking equity to invest</li> <li>paying down other debts</li> <li>buying a holiday home</li> <li>funding extended travel</li> <li>launching a new business</li> <li>supporting children with a property deposit</li> </ul> Regardless of why you want to refinance, the points below will help you navigate your options. Changing lenders It may have been a while since you last revisited your mortgage, meaning you may not be aware of current lending options and traps. A common trick lenders use is the so-called “headline rate” to grab your attention. However, this interest rate is typically not what you end up paying. It may only be an introductory rate for the first few months, or hefty fees attached may wipe out any savings. Banks aren’t the only ones offering loans nowadays. Registered non-bank lenders, fintechs and online lenders can refinance your mortgage and provide other credit services the same as any bank; they just don’t take cash deposits. Alternatively, you could explore credit unions and mutual societies. Also consider any shareholder benefits you may have. Most banks have done away with them now but may still honour pre-existing ones. If you change lenders, you could lose this entitlement – permanently. Reverse mortgages Generally, only available to people aged 60-plus, a reverse mortgage effectively allows you to unlock equity in your home without you needing to make immediate repayments. However, they often have strict conditions including: <ul> <li>minimum borrowing amounts</li> <li>maximum borrowing ratios</li> <li>higher interest rates than standard mortgages</li> </ul> Crucially, the interest accrues over time and is repaid when you sell, move or pass away. As such, your debt liability grows over time – potentially impacting your future living arrangements and how much is left for beneficiaries in your will. The Govt has the “loan equity scheme” as another option to lenders. I just want to highlight the need to be careful with reverse mortgages. Changing homes Rather than selling, downsizing could involve making an investment property your primary residence and then renting out your existing home. This approach may require you to refinance both loans simultaneously. There will also be tax considerations to work through – including Capital Gains Tax liabilities when you do sell, negative gearing, depreciation, and changes to your income tax. Then there are the lifestyle factors to weigh up, especially if you are moving to a different area: <ul> <li>living expenses</li> <li>insurance and travel costs</li> <li>access to healthcare</li> <li>rental income</li> <li>property management expenses</li> </ul> Remember that if you have a Self Managed Super Fund (SMSF), it CANNOT own any property that you directly use yourself, including your home. Becoming Bank of Mum and Dad Refinancing can unlock equity to support adult children with their first property deposit. However, it isn’t without its risks. Ask yourself honestly: <ul> <li>Will this be a gift or loan?</li> <li>If a loan, under what terms? Will interest be applied? How and when will repayments be made? What if they default?</li> <li>What happens if their relationship breaks down, will you get your money back?</li> <li>How does going without that money affect your retirement?</li> <li>Do you have alternative assets to support you if your circumstances change?</li> <li>How does this affect inheritances or deposit contributions to your other children?</li> <li>Can you assist them another way without using your home equity?</li> </ul> Draw up a written agreement outlining all conditions and scenarios to avoid disagreements in the future. Pension impacts Don’t overlook how refinancing your home could impact your pension. While your home is exempt from the means test, any income or assets you generate from unlocking equity is not. You could inadvertently see your pension amount reduced or your eligibility voided altogether. This would come as a nasty shock if you haven’t pre-budgeted for such a change! Getting advice To ensure you get the best bang for your buck when refinancing, be sure to enlist the help of a good: <ul> <li>mortgage broker to source the best loans for your circumstances</li> <li>insurance broker to ensure your cover is right sized for your needs, risk and budget</li> <li>accountant to work through any tax implications</li> <li>estate planner to manage any changes</li> <li>financial adviser to keep your investments and financial strategy working for you</li> </ul> Ultimately, decisions – including about refinancing – are only as good the information you have at hand. So, make sure you have all the relevant facts before signing on the dotted line. Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754.

Money & Banking

The renting trap snaring retirees – and how to avoid it

It has long been known that renting in retirement is associated with a lower quality of life. Understanding the causal factors can help you avoid a similar fate. There are many reasons why renting in retirement can be problematic. For a start, figures on how much income we need to retire comfortably usually assumes that you own your home – the cost of rent isn’t included. So, anyone using this as a guide falls well short, potentially by 20-40 per cent. Additionally: <ul> <li>Rent usually eats up a larger portion of retirement income than home ownership.</li> <li>Over time, rents typically keep rising while mortgage debts reduce.</li> <li>Home ownership provides equity to use for other investments, further boosting retirement income.</li> <li>Downsizing homeowners can make an additional superannuation contribution from the sale proceeds, which renters cannot.</li> <li>Homeowners can make accessibility modifications to meet their needs as they age, like installing ramps or rails.</li> <li>Homeowners have greater stability and aren’t subject to eviction (and moving costs) at short notice.</li> </ul> How big a problem is it? Numerous studies have highlighted the growing scale of the problem faced by renting retirees. <a style="color: #467886;" href="https://grattan.edu.au/report/renting-in-retirement-why-rent-assistance-needs-to-rise/" target="_blank" rel="noopener">The Grattan Institute</a> recently found that “two in three retirees who rent in the private market live in poverty,” and that “most older working Australians who rent do not have sufficient savings to keep paying rent in retirement.” The rental trap is also not exclusive to low-income earners. <a style="color: #467886;" href="https://everybodyshome.com.au/resources/priced-out-priced-out-an-index-of-affordable-rentals-for-australian-voters/" target="_blank" rel="noopener">Everybody’s Home</a> recently found Australians earning $100,000 per year – above the <a style="color: #467886;" href="https://www.abs.gov.au/statistics/labour/earnings-and-working-conditions/employee-earnings/latest-release" target="_blank" rel="noopener">national median of $1,396 per week</a> ($72,592 per year) – are struggling to pay their rent. The end result is that homelessness is a growing problem for over 55s – particularly women. <a style="color: #467886;" href="https://www.mercyfoundation.com.au/our-focus/ending-homelessness/older-women-and-homelessness/" target="_blank" rel="noopener">The Mercy Foundation</a> notes that homelessness among these women grew 6.6 per cent in the 2021 Census, following a huge 31 per cent increase in the 2016 Census. What is causing it? Not owning your own home in retirement is obvious answer here. But there are various contributing factors that see people forced to rent later in life, including losing their home and being financially unable to replace it. These include: <ul> <li>Divorce/separation – court and legal fees, counselling costs, division of assets (including the family home).</li> <li>Pre-retirement chronic illness – time out of the workforce for both the patient and their partner to care for them, loss of income, less going into super, and higher healthcare costs.</li> <li>Death of a partner – up-front bills like funeral expenses, surviving partner suddenly on a single income.</li> <li>Elder abuse – an estimated <a style="color: #467886;" href="https://www.aihw.gov.au/family-domestic-and-sexual-violence/population-groups/older-people#abuse" target="_blank" rel="noopener">one in six older Australians experience elder abuse</a>, including 2.1 per cent facing financial abuse.</li> <li>Domestic violence – fleeing abusive relationships with little or no money and assets.</li> <li>Climate change – loss of uninsured home/other assets as storms, floods, cyclones, and fires increase in frequency and severity.</li> <li>Scams – <a style="color: #467886;" href="https://www.nasc.gov.au/news/australians-better-protected-as-reported-scam-losses-fell-by-almost-26-per-cent" target="_blank" rel="noopener">Australians lost $2 billion to scams</a> in 2024.</li> <li>Gambling – <a style="color: #467886;" href="https://aifs.gov.au/research/research-snapshots/gambling-participation-and-experience-harm-australia" target="_blank" rel="noopener">46 per cent of gamblers are at risk of harm</a>, including losing their home.</li> <li>Housing unaffordability – soaring prices (and stamp duty) push home ownership out of reach.</li> </ul> Women often face the brunt of these effects, disadvantaged by the gender pay gap, having less in superannuation, often having primary or sole custody of children, and having less secure employment. How can you protect yourself? Thankfully, there are steps we can all take to protect ourselves and our retirement: <ul> <li>Get your foundations right for a strong financial footing – emergency fund, spending and investment plan, insurances, superannuation, estate planning.</li> <li>Make decisions jointly – letting your partner control finances alone means more risk for you and less spending oversight.</li> <li>Have contingency plans – your own bank account, independent financial and retirement plans, insurances, and back-up plans just in case.</li> <li>Get into the market ASAP – even a cheap investment property far from where you live is a financial asset and a roof over your head if needed.</li> <li>Consider co-ownership – if you can’t afford to buy property alone, split the purchase and ongoing costs with an adult child, sibling, or close friend. Alternatively, sub-let a room to offset the costs.</li> <li>Don’t settle for less – avoid accepting an unreasonable separation settlement just to resolve things quickly.</li> <li>Be alert – know the warning signs of scams, elder abuse, gambling addiction and domestic violence to avoid losing everything.</li> <li>Get independent advice – professional legal, accounting, and financial advice can help you build financial independence, create safeguards, and recover faster if disaster does strike.</li> </ul> Overall, the best thing you can do is simply to act. By being proactive instead of burying your head in the sand, your future self stands a much better chance of enjoying a comfortable retirement! Helen Baker is a licensed Australian financial adviser and author of the new book, Money For Life: How to build financial security from firm foundations (Major Street Publishing $32.99). Helen is among the 1% of financial planners who hold a master’s degree in the field. Proceeds from book sales are donated to charities supporting disadvantaged women and children. Find out more at <a style="color: #467886;" title="http://www.onyourowntwofeet.com.au/" href="http://www.onyourowntwofeet.com.au/" target="_blank" rel="noopener">www.onyourowntwofeet.com.au</a> Disclaimer: The information in this article is of a general nature only and does not constitute personal financial or product advice. Any opinions or views expressed are those of the authors and do not represent those of people, institutions or organisations the owner may be associated with in a professional or personal capacity unless explicitly stated. Helen Baker is an authorised representative of BPW Partners Pty Ltd AFSL 548754. Image: Shutterstock

Money & Banking

How long will you live? New evidence says it’s much more about your choices than your genes

<div class="theconversation-article-body"> One of the most enduring questions humans have is how long we’re going to live. With this comes the question of how much of our lifespan is shaped by our environment and choices, and how much is predetermined by our genes. A study recently published in the prestigious journal <a href="https://www.nature.com/articles/s41591-024-03483-9">Nature Medicine</a> has attempted for the first time to quantify the relative contributions of our environment and lifestyle versus our genetics in how we age and how long we live. The findings were striking, suggesting our environment and lifestyle play a much greater role than our genes in determining our longevity. <h2>What the researchers did</h2> This study used data from the <a href="https://www.ukbiobank.ac.uk/">UK Biobank</a>, a large database in the United Kingdom that contains in-depth health and lifestyle data from roughly 500,000 people. The data available include genetic information, medical records, imaging and information about lifestyle. A separate part of the study used data from a subset of more than 45,000 participants whose blood samples underwent something called “<a href="https://www.nature.com/articles/s41576-022-00511-7">proteomic profiling</a>”. Proteomic profiling is a relatively new technique that looks at how proteins in the body change over time to identify a person’s age at a molecular level. By using this method researchers were able to estimate how quickly an individual’s body was actually ageing. This is called their biological age, as opposed to their chronological age (or years lived). The researchers assessed 164 environmental exposures as well as participants’ genetic markers for disease. Environmental exposures included lifestyle choices (for example, smoking, physical activity), social factors (for example, living conditions, household income, employment status) and early life factors, such as body weight in childhood. They then looked for associations between genetics and environment and 22 major age-related diseases (such as coronary artery disease and type 2 diabetes), mortality and biological ageing (as determined by the proteomic profiling). These analyses allowed the researchers to estimate the relative contributions of environmental factors and genetics to ageing and dying prematurely. <h2>What did they find?</h2> When it came to disease-related mortality, as we would expect, age and sex explained a significant amount (about half) of the variation in how long people lived. The key finding, however, was environmental factors collectively accounted for around 17% of the variation in lifespan, while genetic factors contributed less than 2%. This finding comes down very clearly on the nurture side in the “nature versus nurture” debate. It suggests environmental factors influence health and longevity to a far greater extent than genetics. Not unexpectedly, the study showed a different mix of environmental and genetic influences for different diseases. Environmental factors had the greatest impact on lung, heart and liver disease, while genetics played the biggest role in determining a person’s risk of breast, ovarian and prostate cancers, and dementia. The environmental factors that had the most influence on earlier death and biological ageing included smoking, socioeconomic status, physical activity levels and living conditions. Interestingly, being taller at age ten was found to be associated with a shorter lifespan. Although this may seem surprising, and the reasons are not entirely clear, this aligns with <a href="https://www.sciencedaily.com/releases/2014/05/140509110756.htm">previous research</a> finding taller people are more likely to die earlier. Carrying more weight at age ten and maternal smoking (if your mother smoked in late pregnancy or when you were a newborn) were also found to shorten lifespan. Probably the most surprising finding in this study was a lack of association between diet and markers of biological ageing, as determined by the proteomic profiling. This flies in the face of the extensive body of evidence showing the crucial role of <a href="https://www.nature.com/articles/s43016-023-00868-w">dietary patterns</a> in chronic disease risk and longevity. But there are a number of plausible explanations for this. The first could be a lack of statistical power in the part of the study looking at biological ageing. That is, the number of people studied may have been too small to allow the researchers to see the true impact of diet on ageing. Second, the dietary data in this study, which was self-reported and only measured at one time point, is likely to have been of relatively poor quality, limiting the researchers’ ability to see associations. And third, as the relationship between diet and longevity is likely to be complex, disentangling dietary effects from other lifestyle factors may be difficult. So despite this finding, it’s still safe to say the food we eat is one of the most important pillars of health and longevity. <h2>What other limitations do we need to consider?</h2> Key exposures (such as diet) in this study were only measured at a single point in time, and not tracked over time, introducing potential errors into the results. Also, as this was an observational study, we can’t assume associations found represent causal relationships. For example, just because living with a partner correlated with a longer lifespan, it doesn’t mean this caused a person to live longer. There may be other factors which explain this association. Finally, it’s possible this study may have underestimated the role of genetics in longevity. It’s important to recognise genetics and environment don’t operate in isolation. Rather, health outcomes are shaped by their interplay, and this study may not have fully captured the complexity of these interactions. <h2>The future is (largely) in your hands</h2> It’s worth noting there were a number of factors such as household income, home ownership and employment status associated with diseases of ageing in this study that are not necessarily within a person’s control. This highlights the crucial role of addressing the social determinants of health to ensure everyone has the best possible chance of living a long and healthy life. At the same time, the results offer an empowering message that longevity is largely shaped by the choices we make. This is great news, unless you have good genes and were hoping they would do the heavy lifting. Ultimately, the results of this study reinforce the notion that while we may inherit certain genetic risks, how we eat, move and engage with the world seems to be more important in determining how healthy we are and how long we live.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/251054/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> <a href="https://theconversation.com/profiles/hassan-vally-202904">Hassan Vally</a>, Associate Professor, Epidemiology, <a href="https://theconversation.com/institutions/deakin-university-757">Deakin University</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/how-long-will-you-live-new-evidence-says-its-much-more-about-your-choices-than-your-genes-251054">original article</a>. Image: Shutterstock </div>

Caring

"It's not our way": Young Indigenous woman speaks out against Acknowledgment of Country

A young Indigenous woman has sparked controversy by criticising the Acknowledgement of Country, claiming the practice is 'made up' and not representative of Indigenous Australian culture. Kiescha Haines Jamieson was asked on social media whether the formal observation is an 'actual traditional practice' or a 'modern white saviour thing'. 'It is a made up protocol by Reconciliation Australia,' she claimed. 'It's not culture. It's not our way.' The Acknowledgement of Country is a relatively recent practice, emerging in the 1990s during what the Keating Government called 'the Reconciliation Decade'. It was formalised as part of efforts to improve Indigenous-state relations, with former Labor senator and Yawuru man Pat Dodson playing a key role in its establishment. 'The work of the Council for Aboriginal Reconciliation encouraged strangers to recognise country, then, as people got stronger, the welcome developed,' Dodson explained. The practice is distinct from a Welcome to Country, which is a ceremony performed by a traditional owner to formally welcome visitors to their land. Acknowledgement of Country, by contrast, is often delivered by non-Indigenous people or organisations to recognise traditional owners. Ms Jamieson argued that the practice has now been 'institutionalised to make people think that it is our culture'. Her comments resonated with some social media users, who agreed that the protocol was 'made up'. 'Finally someone with the guts to tell the truth,' one user wrote. However, others pushed back, arguing that acknowledging country has deep cultural significance for some Indigenous groups. 'It's a traditional thing for our mob, but not as grand as it's shown on TV,' one commenter noted. 'It's not really a welcome, it's more like a way to notify the spirits and ancestors that mob are travelling.' Another person added: 'You don't speak for all mobs and you don't speak for mine.' Yawarllaayi/Gomeroi elder Barbara Flick Nicol has previously stated that welcoming and acknowledging visitors has existed for thousands of years in Aboriginal and Torres Strait Islander communities. 'It's always been something that we did as a people, understanding and observing the fact that when you are in somebody else's country, that you acknowledge them,' she told NITV in 2020. Ms Flick Nicol said that formal acknowledgments began appearing in New South Wales after the landmark Mabo decision in 1992, with councils raising Aboriginal flags and formally recognising traditional owners at meetings and conferences. Former federal politician and Wiradjuri woman Linda Burney, who was involved in the Council for Aboriginal Reconciliation, defended the practice, saying it evolved organically. 'It wasn't strategised or planned. Once it got out to civic life it was something that people saw as an important way to tell the truth of the Australian story,' she said. Images: Instagram

Legal

More young people are caring for a loved one with dementia. It takes a unique toll

<div class="theconversation-article-body"> Dementia is a growing health problem, affecting more than <a href="https://www.who.int/news-room/fact-sheets/detail/dementia">55 million people</a> around the world. In Australia, an estimated <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">433,300 people</a> are living with dementia. This figure is projected to rise to 812,500 by 2054. Dementia <a href="https://www.dementia.org.au/about-dementia">refers to brain disorders</a> that are not a normal part of ageing. These disorders, including Alzheimer’s disease, cause a decline in cognitive function and changes in mood, memory, thinking and behaviour. Ultimately they affect a person’s ability to carry out everyday tasks. In Australia, around <a href="https://www.sydney.edu.au/news-opinion/news/2020/10/06/research-backs-home-based-program-for-people-living-with-dementi.html">75% of people with dementia</a> live at home. While dementia care at home has traditionally been associated with older spouses or middle-aged children, it seems an increasing number of young adults in their 20s and 30s, and <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">even teenagers</a>, are stepping into this role to care for grandparents, parents or other loved ones. In Australia, 3 million people (11.9% of the population) are carers. This includes <a href="https://www.abs.gov.au/statistics/health/disability/disability-ageing-and-carers-australia-summary-findings/latest-release">391,300 under 25</a> – a sharp rise from 235,300 in 2018. How many young carers are specifically caring for a loved one with dementia is unclear, and something we need more data on. Young dementia carers remain largely invisible, with minimal recognition or support. <h2>Unique challenges and the burden of responsibility</h2> Unlike older carers, who may have more financial stability and free time, young carers often must balance caregiving with university, early-career pressures, and personal development, including maintaining social relationships, pursuing hobbies, and prioritising mental welling. In Australia, where <a href="https://aifs.gov.au/media/more-young-adults-living-parents">51% of men and 43% of women</a> aged 20–24 still live with their parents, many young carers will have limited experience in managing a household independently. They’re often thrust into <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">complex responsibilities</a> such as cooking, housework, managing the family budget, coordinating medical appointments and administering medications. Beyond that, they may need to provide physical care such as lifting or helping their loved one move around, and personal care such as dressing, washing, and helping with toileting. All this can leave young carers <a href="https://www.tandfonline.com/doi/full/10.2147/PROM.S499063">feeling unprepared</a>, overwhelmed and isolated. While general support groups exist for dementia carers and young carers more broadly, few cater specifically to <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9819145/">young adults caring for someone with dementia</a>. This lack of targeted support is likely to heighten <a href="https://www.tandfonline.com/doi/pdf/10.1080/13676261.2024.2390899?casa_token=6Q73sIFsfssAAAAA:1rQ7NyiiHkwTwIk4mkk6d2r5tiUxeXJDCKTfIohKmHzCue9xvuj5r4e8-fowJGQeIYKe6afuO9FT">feelings of isolation</a>, as the young person’s friends struggle to relate to the emotional and practical burdens <a href="https://link.springer.com/content/pdf/10.1186/s12877-020-01976-z.pdf">young carers face</a>. The demanding nature of caregiving, combined with the difficulty of sharing these experiences with peers, means young dementia carers can become <a href="https://journals.sagepub.com/doi/epub/10.1177/14713012211023653?src=getftr&utm_source=tfo&getft_integrator=tfo">disconnected socially</a>. <h2>The psychological toll</h2> These challenges take a profound <a href="https://www.mentalhealth.org.uk/explore-mental-health/statistics/carers-statistics">psychological toll</a> on young carers. Research shows young carers are <a href="https://pmc.ncbi.nlm.nih.gov/articles/PMC9263065/">35% more likely</a> to report mental health issues than their non-caregiving peers. These can include <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220980243">depression</a>, anxiety and burnout. Again, we don’t have data on mental health outcomes among young dementia carers specifically. But <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/carers-and-care-needs-of-people-with-dementia/impact-of-the-caring-role-on-carers">in Australia</a>, 75% of dementia carers reported being affected physically or emotionally by their caring role. Some 41% felt weary or lacked energy, and 31% felt worried or depressed. Also, there are negative stereotypes about ageing – that people turn forgetful, frail, and need constant care. For young carers whose loved ones have dementia, these stereotypes <a href="https://journals.sagepub.com/doi/pdf/10.1111/j.1467-8721.2009.01662.x?casa_token=w0MW7GGY80gAAAAA:szB0XyXKPG_XMqAVyAHLm0Tye8yH3TYXK9X5cFCSIRkorhsNHx4Wgurmy_oAuZKsTsskS6kBw9Vr">can be reinforced</a> by their experience. This could shape young carers’ perceptions of <a href="https://www.tandfonline.com/doi/full/10.1080/13607863.2025.2464705?utm">their own future health</a> and wellbeing and increase anxiety about ageing. Caregiving may also affect <a href="https://www.apa.org/pi/about/publications/caregivers/faq/health-effects">physical health</a>. Research suggests carers often sacrifice <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">healthy habits</a> such as exercise and a balanced diet. What’s more, <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1111/psyg.12354">carers report symptoms</a> including poor sleep, fatigue, headaches and back pain due to the physical demands of caregiving. <h2>Caring for a parent – a role reversal</h2> This emotional burden is particularly acute for those caring for a parent. These young carers are likely to experience the progressive loss of parental support, while simultaneously assuming the <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">demanding role of caregiver</a>. A significant portion of young dementia carers support parents with <a href="https://www.aihw.gov.au/reports/dementia/dementia-in-aus/contents/dementia-in-priority-groups/population-health-impacts-of-younger-onset-dementi">young-onset dementia</a>, a form of dementia diagnosed before age 65. These <a href="https://journals.sagepub.com/doi/pdf/10.1177/1471301220988231">young carers</a> face the shock of a diagnosis that defies typical expectations of ageing. The burden may be compounded by fears of <a href="https://journals.sagepub.com/doi/10.1177/0038026119874280?icid=int.sj-abstract.citing-articles.9">genetic inheritance</a>. Young onset dementia often has a <a href="https://www.nia.nih.gov/health/alzheimers-causes-and-risk-factors/alzheimers-disease-genetics-fact-sheet">hereditary component</a>. This means young carers may have a higher risk of developing the condition themselves – a concern spousal carers don’t have. This fear can fuel health anxiety, alter life planning, and create a pervasive <a href="https://pubmed.ncbi.nlm.nih.gov/26560507/">sense of vulnerability</a>. <h2>How we can better support young dementia carers</h2> Despite their growing numbers, young dementia carers <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">remain largely overlooked</a> in research, policy and support services. This is partly due to the challenges in engaging this demographic in research, as these young people juggle busy lives <a href="https://onlinelibrary.wiley.com/doi/pdf/10.1002/gps.4502?casa_token=5-Ih4KcUejwAAAAA%3AOvuh8ghI_ednIzRZmHdUl-_C7EQ8IUw2Qp7E0-0Z9abjV0xT6I4WK17V2U8JMCcxMl9yvpawBeT-l7c">balancing caregiving</a> with education and work. Many young carers also <a href="https://pubmed.ncbi.nlm.nih.gov/36353077/">don’t self-identify as carers</a>, hindering their access to support and resources. This could be because of the stigmatising label, or a feeling they’re <a href="https://www.ncb.org.uk/sites/default/files/uploads/files/young_people_caring_for_adults_with_dementia.pdf">not doing enough</a> to qualify as a carer. It could even be because of cultural norms which can frame caregiving as a family obligation, rather than a distinct role. Nonetheless, young dementia carers require <a href="https://www.mdpi.com/1660-4601/20/1/127">targeted support</a> beyond generic caregiving resources. This support might include specialised <a href="https://www.tandfonline.com/doi/full/10.2147/JMDH.S464195">peer networks</a>, educational programs, and practical skills training. Tailored programs and resources should ideally be <a href="https://www.mdpi.com/1660-4601/20/1/127">co-designed with young dementia carers</a> to ensure they meet their unique needs and preferences. With dementia cases in Australia and elsewhere <a href="https://www.dementia.org.au/about-dementia/dementia-facts-and-figures">projected to increase</a>, the demand for informal carers – including young adults – will continue to grow. Without intervention, these young carers risk burnout, social isolation, and long-term health consequences. We must ensure flexible, age-appropriate support for this often invisible group. Investing in young dementia carers is not just a moral imperative – it’s a crucial step toward a sustainable, compassionate care system for the future. <a href="https://www.dementia.org.au/living-dementia/family-friends-and-carers">Dementia Australia</a> offers a national helpline, information sessions, and a peer-to-peer connection platform for carers. <a href="https://youngcarersnetwork.com.au/">The Young Carers Network</a>, run by <a href="https://www.carersaustralia.com.au/">Carers Australia</a>, offers mental health resources, financial guidance, and respite care information, plus bursaries young carers can apply for to reduce financial pressure.<img style="border: none !important; box-shadow: none !important; margin: 0 !important; max-height: 1px !important; max-width: 1px !important; min-height: 1px !important; min-width: 1px !important; opacity: 0 !important; outline: none !important; padding: 0 !important;" src="https://counter.theconversation.com/content/249361/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1" /> By <a href="https://theconversation.com/profiles/katya-numbers-784650">Katya Numbers</a>, Postdoctoral Research Fellow & Lecturer, Centre for Healthy Brain Ageing, <a href="https://theconversation.com/institutions/unsw-sydney-1414">UNSW Sydney</a> and <a href="https://theconversation.com/profiles/serena-sabatini-2320527">Serena Sabatini</a>, Lecturer in Psychology, <a href="https://theconversation.com/institutions/university-of-surrey-1201">University of Surrey</a> This article is republished from <a href="https://theconversation.com">The Conversation</a> under a Creative Commons license. Read the <a href="https://theconversation.com/more-young-people-are-caring-for-a-loved-one-with-dementia-it-takes-a-unique-toll-249361">original article</a>. Image: Shutterstock </div>

Caring

Grief as European royal passes away at just 46

Archduchess Estelle de Saint-Romain of Austria has passed away at the age of 46. A statement published in Le Figaro's Carnet du Jour confirmed that Estelle Lapra de Saint-Romain, wife of Archduke Carl Christian of Austria, died on March 4, 2025. Her family laid her to rest at the Monastère de Cimiez in Nice, France, a week later. "Her husband, Archduke Carl Christian, their children, her parents, and her in-laws are deeply saddened to announce that Archduchess Estelle of Austria, née Lapra de Saint Romain, was called to God on Tuesday, March 4, 2025," the statement read in translation. The cause of death was not disclosed, though reports indicate she had previously been diagnosed with cancer. Born in 1979, Estelle married Carl Christian in 2007. He is the great-grandson of Emperor Charles I of Austria, the last ruler of the Austro-Hungarian Empire. Together, they had five children: Zita, 17, Anezka, 15, Anna, 12, Paola, 10, and Pier-Georgia, 4. The funeral service, attended by several European royals, took place at the historic Monastère de Cimiez. Among those in attendance were Belgium's Princess Astrid, Luxembourg's Princess Marie-Astrid, the Duke of Castro, and Ferdinand of Habsburg. Brother Antonio Basso led the ceremony, remembering Estelle for her "loving wisdom" and recalling how she and her family regularly attended Mass at the monastery. Despite the dissolution of the Austrian monarchy in 1918, the Habsburg family remains prominent in European society. Estelle and Carl Christian’s wedding in 2007 attracted significant attention, with crowds gathering to witness the event. Three hundred distinguished guests attended, including Princess Astrid, Liechtenstein’s Prince Gundakar, and Jean-Christophe, Prince Napoléon. Carl Christian, the eldest son of Archduke Rodolphe de Habsbourg-Lorraine and Archduchess Marie-Hélène, née Baroness de Villenfagne de Vogelsanck, is part of an extensive noble lineage. His cousin, Archduke Karl von Habsburg, is the current head of the Austrian Imperial House. Archduchess Estelle’s passing marks a great loss for the Habsburg family and the European aristocracy, as she is remembered for her grace, devotion, and dedication to her family and faith. Image: Instagram

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