As I move through the later years of my life, I’ve come to realise that ageing is not just a physical process but an emotional and deeply personal journey.

It invites me to pause, reflect, and take stock of what matters most now and in the years to come. This self-assessment is an opportunity to gently explore how I’m travelling, what I value, and how I can prepare for the future with dignity, honesty, and the support of the people I love.

One of the first things I’ve learnt is to pay attention to the subtle signs that things may be changing. These signs aren’t always dramatic—they often start small.

I notice if household tasks take longer than they used to, or if I become unusually tired doing activities that once felt effortless. I ask myself whether I’m forgetting appointments more often or relying more heavily on reminders. I think about how steady I feel on my feet and whether I’ve had any near-falls or hesitations with balance. I reflect on whether driving still feels natural or if I’m becoming more anxious behind the wheel. These are gentle cues, not warnings, but they matter. They help me recognise when I may benefit from a little extra support.

Another crucial part of this process is talking openly with my adult children. These conversations can be tender, uncomfortable, or even emotional—but they are important. When I speak with them, I try to focus on honesty rather than fear. I share how I’m feeling, what I’m finding harder, and what worries I carry quietly inside. I also listen to their observations, because sometimes those closest to me see changes I may not notice myself. Together, we can plan, prepare, and make decisions that feel respectful rather than reactive. These talks remind me that asking for help is not a burden—it’s an invitation to stay connected.

Knowing when to seek advice is another sign of strength. When I feel uncertain about my health, finances, legal matters, or living arrangements, seeking guidance early helps prevent stress later. Whether it’s speaking to a GP, an aged-care assessor, a financial adviser, or an occupational therapist, I’ve learned that professionals exist to support my wellbeing, not to judge my abilities. Getting advice doesn’t mean giving up control; it means making informed choices with confidence.

Defining what is important in my ageing years is central to my self-assessment.

I ask myself meaningful questions:

  • What brings me joy?
  • What routines or activities make me feel alive, connected, and purposeful?
  • Who are the people I most want to spend my time with?
  • What values matter most to me?

For some, it is independence; for others, companionship or safety. For me, it may be a combination of all three. Understanding my priorities helps guide decisions about where I live, how I spend my time, and how I plan for the possibility of needing assistance in the future.

One of the biggest decisions many older adults face is whether to remain in the family home. Selling the home where memories live within the walls can be emotionally challenging. I think about whether my home still suits my physical abilities, whether the upkeep is becoming stressful, and whether the environment supports my wellbeing. Letting go of the home doesn’t mean letting go of the memories—it simply means choosing a place better suited to the next stage of life. When approached with care, this transition can bring comfort, safety, and new opportunities.

Ageing also brings mentally challenging moments that aren’t always easy to admit. There can be fear—fear of losing independence, fear of feeling like a burden, fear of change. Sometimes there’s embarrassment when I struggle with things I once handled effortlessly. It can feel confronting to acknowledge, even to myself, that I might need help. But I remind myself that vulnerability is not weakness. Every human being, at every age, needs connection, support, and reassurance.

Admitting I need help can be one of the most liberating steps in this journey. It opens doors to safer living, stronger relationships, and better quality of life. It allows others the gift of helping—just as I have helped them throughout their lives.

This self-assessment is not about loss; it is about thoughtful preparation, dignity, and embracing the next chapter with clarity and warmth. Ageing is a continuation of life’s story, and I deserve for the coming years to be safe, fulfilling, and deeply meaningful.

If this article has inspired you to think about your unique situation and, more importantly, what you and your family are going through right now, please get in touch with your advice professional.

This information does not consider any person’s objectives, financial situation, or needs. Before making a decision, you should consider whether it is appropriate in light of your particular objectives, financial situation, or needs.

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Disclaimer: The information contained in this article is general in nature and does not take into account your personal objectives, financial situation or needs. Please consider whether the information is appropriate to your circumstance before acting on it and, where appropriate, seek professional advice.