A guiding principle in my life, and in my work at Abaya Wealth Management, is the belief that investing in yourself is one of the best decisions you can make. When you do, you open doors—to choices, opportunities, and experiences that bring real joy.

I am living proof of that. Investing in myself over the years has given me the ability to provide for my children and myself, yes—but it has also given me the freedom to say “yes” when opportunities come my way.

Estimating healthcare expenses is not an exact science, but taking a thoughtful, realistic approach can give you clarity and peace of mind. It’s one of the best gifts you can give yourself—and your loved ones—as you look forward to a secure, healthy retirement.

Most of us hope to age gracefully, staying healthy and independent.
But here’s the reality: nearly 70% of people turning 65 will need long-term care at some point. For women, the odds are even higher.

And yet—long-term care is one of the least planned-for parts of retirement.

Lately, I’ve had more and more conversations with friends, clients, and even my own family about parents who suddenly need more help than anyone expected. These talks are hard. They touch on independence, dignity, and finances—all at once.

But here’s the thing: waiting makes it harder. Starting the conversation now makes it easier.

On September 6th, my mom, Ann, turns 80 years old. It’s a milestone that has me reflecting not only on her incredible life, but also on the quiet ways women shape our world for the better—often without fanfare or spotlight.