how to start over at 50

How to Start Over at 50 With No Money (and a thread of hope)

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Is it hard to start over at 50? Is it terrifying to start over at 50? Is it frustrating af to start over at 50?

Yup yup yup.

How to change your life completely,... x
How to change your life completely, at 50, in 6 not so easy steps

It’s all of those things and then some. And I know. I had to do that at 52 years old without a penny to my name. I had zippo, zilch, nudda. Except for hope. I had a small shred of hope that I clung on to for dear life.

I had to hang on to that because I had nothing else. Nothing. I had to figure out how to start over at 50 with no money and no job.


When you have to start over at 50 with no money (and alone)

I never once thought in a million years that I’d be starting over again. I mean, when I threw my husband out 31 odd years ago I kinda had to start over but it was a lot easier then. Or so it seemed anyway.

And then when I left my abusive partner in 2013 after just closing up my salon and declaring bankruptcy I had to start over again but this time it was hard. And terrifying af.

To be honest, I have never felt so alone in my entire life as I did then.

I had to scramble to find an apartment, find things to put in my apartment, hopefully for free because I couldn’t afford shit. I had to find someone to help me move what little belongings I did have remaining at the old house with my ex.

And I had to find a job. I needed money. I needed a lot of things. I was starting over entirely.

I was fortunate enough to have a former boss who really liked me and was happy to have me return to her salon. Tail between my legs, off I went.

I was starting at 0. And to say I was freaking out a little is an understatement. Trying to figure out how to start over when you have a small child is one thing and that in itself is exhausting and hard. But when you’re over 50 and you feel like most of your life is over and then you gotta figure out how to start over, again?

Ya. That’s terrifying and exhausting too but in a different way.

Starting over at 50 with nothing is soul crushing

People joke about having a midlife crisis. Honestly, it’s nothing to joke about at all, well, not my crisis anyway. I was 52 years old and had nothing to my name. I even ran out of pride and self-confidence/respect/worth/love, you name it, I had no selfs left.

To say you feel like an absolute loser is an understatement. Starting over at 50 is soul crushing and frustrating af.

You look around at most of your friends and they are all still happily married or still have good jobs they had right out of high school. So many of them are doing so well in life and here you are, at 50, starting over with no money, no nothing. It’s suffice to say you kinda feel like a bit of a loser.

So ya, starting over midlife isn’t all rainbows and lollipops. But once you get past the initial shell shock and fear you realize that you can reinvent your life the way YOU want. How it pleases you!!

That’s the amazing part!

How to start over at 50 with no money and still be happy.

You can reinvent your life at 50 (or even older!!)

Once I left my ex and started to reinvent my life I realized that the sky was the limit. I could do or be anything in the world that I wanted to. All I had to do was find out what that was.

I had no clue.

For the first time in my life I was alone and had no one to answer to but myself. If anything needed changing or improving, it was up to me to do that.

It was up to me to change my life at 50 (something-ish) and to stop living in the same misery I had been living all these years. My life was an insane roller coaster of ups and downs, highs and lows and I needed it to stop. I needed some stability.

I needed some kind of normalcy. When you realize you can reinvent your life anyway you want to, well, girl, lemme tell ya. You kinda feel like a 5 yr old on Christmas morning!

How to start over in life at 50?

I had no clue how to start over in life but I was about to find out.

The first thing I had to do was find out who Iva was and what made her happy. I also had to forget how old I was. I mean, totally remove my age from this equation.

Too many people use their age as an excuse to not do or start something. I couldn’t do that. I had to throw my age out of the window. I had spent my entire life making excuses for things. Not anymore.

So while doing some life inventory, I had to stop and ask myself a few questions to find out exactly what the heck I was gonna do with my life now.

5 questions to ask yourself when you’re starting over at 50

  • what’s going to make me happy?
  • what will give me the greatest amount of freedom?
  • what can I do to help others?
  • what am I really good at?
  • what am I really passionate about?

Nowhere in there does it say “Can I do this?”. You know why? Because you can do anything you set your mind to. Absolutely anything.

How to start over at 50 with no money and all alone.

When you take some time to answer these questions and try to figure out your next step, you will see how things will unfold for you, almost miraculously, kinda like they did for me.

How to start over-changing careers at 50

I’m going to really try hard to make this a Reader’s Digest version of my life but I share it with you now because I want you to see that if I can do it, so can you. And I don’t care how old you are.

So many people are worried or scared because they don’t know how to start over or if they can even change careers at 50 (or even 40 or 60!) but you most certainly can. It’s not easy but it’s not impossible either.

This is how it went down for me.

It kinda happened like this:

  • Went back to the old job, grateful but miserable
  • Spent a year doing self-discovery
  • Started volunteering at the homeless shelter while I was healing my own demons
  • Found my passion there helping and serving the homeless
  • Decided I wanted to do this in Central America
  • Went on a volunteer mission for 3 weeks in Costa Rica
  • Came back home and decided I wanted to do more of that and move to Central America
  • While still cutting hair I read eBooks and blogs to learn how to become a freelance writer (it was the only thing I was really good at and could work online at)
  • Spent almost a full year honing this craft (writing) and looking for jobs (while still cutting hair full time)
  • Finally found good jobs as a ghostwriter
  • In July of 2015, I retired from hair, became a full-time freelance writer
  • In October 2015 I moved to Guatemala with two suitcases on a one-way ticket.

See how that happened? While working on myself, and helping others, I found my passion and did what I could do to do more of it. Just not in Northern Ontario where I was living at the time.

At 53 years old I had started a new career. I hung up my cutting shears and I was now a freelance writer. Who woulda ever thunk. Certainly not me.

But that’s how things happen. That’s how life changes.

If you’re totally ready to reinvent your life, take back your power, leave the past behind and move on and finally be freakin’ happy, you might really like my new signature course Mighty Midlife Makeover.

Let’s face it, midlife is hard, exhausting and frustrating and it didn’t come with an instruction manual (except for blogs like this one!!). I’ve created this powerful and transformational course to help you get unstuck and live the life you desire and deserve.

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I knew what I wanted. I wanted to leave Canada, I wanted to leave winters behind and I wanted to help poor people in another country.

I knew if I wanted to do all that I wouldn’t be able to do that as a hairstylist so I had to totally reinvent myself and start a new career over 50 that would allow me to travel and still support myself.

And that’s exactly what I did. And so can you.

Some tips to follow when you’re starting over in life

Before we get into this, please check out my new YouTube channel for women over 50 (or 30 or 40 or even 60 or 70!! HA!) Don’t forget to hit the subscribe button while you’re there.

I recently made a video on this exact topic and I think you’ll really like it. You can click here to watch that inspirational video now.

As I mentioned earlier, it’s not easy (well it wasn’t for me) and it can be stressful and super scary but you most certainly can start over at 50, or even 60!

5 tips to follow if you’re starting over in life

  1. Forget your age-it’s just a number. Too many of us think we are “too old” to start anything new or make any big changes in life but nothing is further from the truth. Forget how old you are and go do life the way you want it.
  2. Find your passion. What are you most passionate about? Are you doing that? What are some of the things that bring your heart great joy and happiness? Do more of those things. Your heart knows.
  3. Do some research -Find out what it takes to get started on following your passion and what is required to do your “new thing”. All the answers you need are at your fingertips on the internet.
  4. Make the decision. You must decide that you are going to start taking necessary steps to change your life (so many never make it that far). That’s by far, the hardest step of all but you have to do it!!
  5. Stay focused. Your new life and happiness are steps away but it’s up to you to stay the course. Don’t give up. Be brave, determined and courageous -you’ll need all 3 to achieve success in your big life changes!

The way I look at it is this:

We’re more than halfway through our lives (give or take a few years).

We don’t want to die with regret.

There are probably so many things you still want to do but have always been afraid to do them (go do them)

This is your only life.

Nothing changes if nothing changes and it’s up to you to make those changes

Don’t you want to be happy? Aren’t you tired of being stuck in a cage like you have been your entire life? Don’t you want to be free?

Of course you do!!

You so got this!!!

Starting over at 50 with no money is very scary

It’s not going to be easy starting over at 50 with no money and it’s so terrifying but you can do it!!

Yes, what you are about to embark on may be terrifying. Do it anyway. You don’t think it was scary for me to leave my country and move to a third world country that I knew nothing about?

Of course it was scary. I was terrified out of my tree. But it didn’t matter. I had to face my fears and shut them down. This is what I wanted and I knew it was going to be ballsy and scary. And I was prepared to do whatever it took to make this a reality.

I was tired of my life. It had to change. So I made it happen. Alone!

How bad do you want it? How bad do you want to reinvent a life that totally pleases you? Take your age out of the equation and do what your heart is calling you to do.

This is the only life you have. Don’t live with regrets. Be an inspiration to someone else.

xo iva xo


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  1. Thank You, you’ve given me a starting point, and it was just what I needed right now.
    You were talking to me, you were saying just what I’ve been thinking I needed, but just needed to shut down that negative ninny voice in my head.

    1. Yay I’m so happy to hear this. That negative voice thinks it knows best but it doesn’t. You go girl!!!

  2. Hello Iva-
    I just Subscribed to your YouTube channel and thrilled to get to know you! I had tears and butterflies…as I read your story, up above.
    🙋🏼‍♀️Sixty-Single/Divorced-Scared in a rut. You are a breath of fresh air-inspiration! 🙏🏻🌞Thank you.

    1. Yay thanx for doing that and thank you so much for your kind words! You will get out of this rut!! Forge ahead’re gonna be ok!!

  3. Thank you, what I read is what I needed right now.I am a 48 years old man that wasted many years of my life because I was trapped in a doomsday cult, the Jehovah’s witnesses.I was 21 years old when i surrender my brain to this group and at that time I was working with my older brother in a foreign country but my cult involvement led me eventually away from him and while he became rich i stayed poor until now and last year my wife left me because of the fact that I had woken up to the reality that I was trapped in a cult, something for which my dear brother had warned me telling me that this so called religion would destroy my life, and two months ago the most terrible thing happened my beloved Brother died from covid and for the last two months i live in pain for the years i lost away from him and for the years i spend to take care of my wife and her family who without any regret thrown me out of the house after serving them for 18 years.So here i am 48 with no older brother no children without a house and with no money but whith an inspiration,my brother Peter, what would he do?Yes i am free, especially from this destroying and mind controling cult,i speak and write English and i have nothing to loose, and if Peter is watching me from heaven i want to say that I am sorry for not listening to you all those years ago but now you will be my inspiration

  4. George…. where are you now? Are you ambitious? We are starting over too. We need those that would work for nothing, but with hopes at succeeding. My hubby and I want to start a business, move, and start over. I am inspired anything can happen. Hope and faith. I pray you have found your way back to God. He is the miracle. With God, all is possible. Prayers.

  5. Every article on the internet says the same thing. All of these 50 something women say they are starting their lives over with nothing….but that’s not true. Do you have a car? Do you somewhere to live? A job? Plus all of you were married…so you got something out of that to. Like money and alimony and other material goods. That ‘s not nothing. Nothing is living with someone over 22 years and having no place to live, no car, no money, no… well… NOTHING. Rent is over 1500.00. No one wants to hire me for anything that makes more than that a month. I can’t find a full time, good paying job. All of that is NOTHING. I need help starting from actual NOTHING.

    1. Hey thanx for reading and I’m sorry that you feel that way about “all of these women” . I hope you can find some hope and try to believe in miracles. Good things will come if you change your mindset. If you can’t find a job, create one. That’s what I recently did. You haVe to start somewhere….Figure out a way, and have faith.

    1. Yay so glad you found this and it has inspired and motivated you!! Thanx for reading xoxo

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