October: The Perfect Month to Focus on Health, Finances, and Protecting What Matters Most (and early vote!)

Every month has a list of “awareness topics.” Sometimes I wonder who comes up with all of these. October is no different, but it might be the most important one for us women over 50. I realized something: this month is all about the things we should be thinking about as we age. I wish I had thought of this the first week, of October but better late than ever.

Now, if you’re like me, you may have rolled your eyes at the idea of another “awareness month.” But hear me out. Whether it’s protecting yourself online, staying healthy, or planning for the future, this month is a gentle nudge to take control and check off a few important items on your life’s to-do list. So, grab your coffee (or tea), and let’s dive in together. Download PDF.

Protect Your Digital World: Cybersecurity Awareness Month

Let’s talk about cybersecurity. If you’re anything like me, managing online accounts and staying on top of the latest scams can feel overwhelming. But here’s the thing: as we age, we have more to protect—our personal info, our finances, even our Social Security and Medicare details. Scammers know this, and they’re getting smarter. That’s why October, as Cybersecurity Awareness Month, is a great time to pause and make sure your digital life is as secure as your home.

Start simple: update your passwords, enable two-factor authentication, and, if you haven’t yet, consider freezing your credit. (I know it sounds like a hassle, but it can save you so much stress down the line.) These are small steps, but they put you in control—and there’s something deeply empowering about that.

Medicare Sign-Up: The Window is Open

October is also when Medicare open enrollment begins. Whether you’re already on Medicare or getting close to 65, it’s time to review your options. From my experience, this process can feel overwhelming. There’s so much noise out there, especially when it comes to Medicare Advantage plans.

I remember feeling totally confused, and after speaking with my medical team, I decided to stick with traditional Medicare. It gave me more flexibility to choose my doctors, which was important to me. (Advantage plans may look attractive but watch out for the fine print if you have chronic health issues or want more provider options.) Take your time, ask questions, and don’t hesitate to seek professional advice—this decision will impact your health and finances for years to come.

Breast Cancer Awareness Month: Time for Your Screening

Now, let’s talk about something we all know but sometimes put off—breast cancer screenings. October is Breast Cancer Awareness Month, and yes, that applies to us, too. We’re at an age where regular screenings become even more important. If you haven’t scheduled your mammogram yet, consider this your reminder (yes, I’m talking directly to you).

I’m guilty of letting life get in the way of doctor’s appointments, but taking care of ourselves is non-negotiable. The peace of mind you’ll feel after getting it done is worth it. And afterward? Treat yourself to something nice. (Personally, I make it a self-care day—maybe a massage or a new book.)

National Physical Therapy Month: Staying Active on Our Terms

I’ve been working with my physical therapist, Angela, for years now. She (and my trainer friend Jeremy) helped me stay mobile, especially as I’ve faced a variety of orthopedic issues. October is National Physical Therapy Month, and it’s a good reminder that staying active is key to living life on our own terms.

For me, it’s about being able to enjoy photography and gardening. For you, it might be hiking, playing with your grandkids, or just walking without pain. Physical therapy isn’t just for injuries—it’s about staying strong and flexible so we can keep doing the things we love. So, whether it’s seeing a PT, joining a yoga class, or simply taking more walks, do what works for you. Movement now means more possibilities later.

Emotional Wellness Month: Taking Care of Your Mental Health

This one is close to my heart. Emotional wellness is just as important as physical health, especially as we navigate this stage of life. October is Emotional Wellness Month, and it’s the perfect time to check in with yourself.

Life changes—retirement, relationships, loss—can take a toll. I’ve learned that taking just a few minutes each day to sit quietly, journal, or chat with a close friend makes all the difference. (And yes, a quick text counts!) If you’re feeling overwhelmed, there’s absolutely no shame in reaching out to a counselor or therapist. Your emotional health is worth every bit of attention you give to it.

National Estate Planning Awareness Month: Securing Your Legacy

Let’s talk about estate planning. I know, it’s not the most exciting topic, but trust me, it’s one of the most important. October is National Estate Planning Awareness Month, and if you don’t already have a will or trust, now’s the time.

This isn’t just about money—it’s about making sure your healthcare wishes are respected and that your loved ones are taken care of. I’ve worked with a great financial planning team (and if you don’t have one, I highly recommend finding a professional to help). It might seem daunting at first, but once it’s done, you’ll feel a huge sense of relief.

Healthy Lung Month: Don’t Forget to Breathe (Literally)

October is also Healthy Lung Month, and let’s be honest—our lungs don’t always get the attention they deserve. After living through a few tough flu seasons and the COVID-19 pandemic, I’ve realized just how critical lung health is as we age.

Now is a great time to assess how you’re taking care of your lungs. Are you staying active, doing breathing exercises, and avoiding irritants? (And if you’re still smoking, this is your gentle nudge to quit.) Talk to your doctor about lung screenings, especially if you’ve had any breathing issues. It’s about adding more quality to the years ahead.

Wrapping It Up: October is About Empowering Yourself

So, here we are. October is packed with opportunities to focus on what matters most—your health, your finances, and your future. The best part? You get to decide how to tackle it. Pick one or two things that resonate with you. Maybe it’s time to review your Medicare plan, schedule that mammogram, or finally update your passwords.

Whatever you choose, do it for you. You’ve earned the right to focus on your well-being and to plan for the life you want in the years ahead. This isn’t about limiting yourself; it’s about creating more freedom, more possibilities, and more peace of mind.

I know October is winding down, but this is a great checklist regardless of month.

Here’s a list of websites that will provide your readers with more information about each of the October focus topics. These resources offer helpful advice and insights:

1. Cybersecurity Awareness Month:

  • CyberGuy: Great for practical tips on protecting personal data, managing passwords, and avoiding online scams.
  • Stay Safe Online: Run by the National Cyber Security Alliance, offering free resources on how to protect your digital life.
  • AARP Fraud Watch Network: Focuses on scams that target older adults and how to avoid them.

2. Medicare Sign-Up:

  • Medicare.gov: The official U.S. government site for everything related to Medicare, including sign-up, plan comparisons, and understanding the different parts.
  • State Health Insurance Assistance Program (SHIP): Provides free, unbiased Medicare counseling for personalized help with sign-up and plan choices.
  • The Senior Citizens League: Offers guides and resources to help navigate Medicare, including detailed comparisons between traditional Medicare and Advantage plans.

3. Breast Cancer Awareness Month:

  • Breastcancer.org: Provides in-depth information about screenings, diagnosis, and treatment options.
  • American Cancer Society: Offers guidelines on mammograms and breast cancer prevention for older women.

4. National Physical Therapy Month:

5. Emotional Wellness Month:

  • Mental Health America: Provides free resources and screenings for emotional wellness and mental health.
  • Psychology Today: Offers articles and tools for managing emotional health and finding a therapist if needed.
  • HelpGuide.org: Nonprofit website offering practical mental health advice, including managing stress, grief, and emotional wellness in older adults.

6. National Estate Planning Awareness Month:

  • Nolo: Legal guides and advice on estate planning, wills, and trusts, written in easy-to-understand language.
  • Estate Planning – AARP: Comprehensive estate planning advice tailored to older adults, with step-by-step guides on wills, trusts, and healthcare directives.
  • American Bar Association – Estate Planning: Helps locate estate planning attorneys and provides resources on planning for the future.

7. Healthy Lung Month:

  • American Lung Association: Comprehensive resources on maintaining lung health, quitting smoking, and managing chronic respiratory conditions.
  • Breathe Better (NIH): Educational materials about preventing and managing lung disease, particularly for older adults.

8. And of course, https://www.aarp.org is a great resource for many issues for people as they age.