There are countless articles about how to prepare financially for your retirement. Everybody knows that money is going to be very important to be able to retire the way that you want. However, it doesn’t just have to do with money. You need to prepare for a lot of things aside from just making sure that you have enough money. An example is that you need to be healthy enough to fully enjoy your retirement and that means doing things to prepare.
There are questions like whether you should get life insurance when you’re older. Also, should you move into a retirement community or try to age in place? There are a lot of ways to glide into your retirement but all of them require planning ahead and knowing what it is that you really need to make sure it happens according to your wishes. In this article, we will go over several of the factors that you should be thinking about before retirement.
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1 – Get checked out
Think about how when you are about to go on a road trip you will take your car to the mechanic and have it checked out. You want to make sure that you don’t suffer a breakdown so they give it a once over and fix some of the issues before they become big problems when you’re on the road.
You need to do the same thing before you retire to make sure that you are healthy enough to enjoy your twilight years. Go and have a very thorough check-up and have them do everything from blood tests to vision and hearing exams. You may find that you actually have some hearing loss and hearing aid devices will help you be able to continue to live independently when you retire.
A blood test may reveal some problematic metrics such as high triglycerides that indicate that you are at risk of diabetes. You could even discover that you have some signs of cancerous growth that are still in the early stages and can be treated effectively.
You may be given a full bill of health but if there are any signs that things are off it is good to know about them now so you can take steps to deal with them.
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2 – Use technology
There are a lot of devices and software that are going to help you as you age. Many of them will act like personal assistants that help you stay in shape and even keep you organized.
For instance, there are fitness trackers that will help you find the exact routine that will work best for you considering your age, weight, and ability. It will remind you when it is time to get moving so you aren’t sitting for too long. Then it will keep track of your vital signs and let you know if things aren’t looking good when you are exercising so you don’t end up hurting yourself.
There are many organizational apps that also will work to remind you when to take your pills and help you keep track of your appointments. Since you will be going to the doctor more often it is important to make sure that you are not missing those appointments.
You can even make sure to stay safe by getting some smart security systems that will allow you to fend off thieves and scammers. Doorbell cameras will detect motion and send an alert so you can see what is happening on your smartphone. If there is some suspicious activity then you can call for help.
3 – Put yourself out there
Unfortunately, isolation is a common issue for many people when they retire. When you’re working, you have a ready-made social system. Not only are you socializing at work, but you are able to make plans easily since you are in contact with peers all the time.
When you are removed from that and are home a lot, then it becomes more of a challenge to see other people. It takes effort to make sure that you maintain your social life.
Make sure to join some clubs or keep a social circle active. If you have a hobby then this is a good place to start since you can find others with the same interest. There are almost always some groups that meet regularly to do this hobby and you can take part. You may find yourself with some new friends that are like-minded.
The other possibility is to take the initiative to keep your contacts close. Try to stay in contact and organize lunches or go to the cinema. Sometimes these groups of friends need somebody to be in charge to keep things going.
4 – Have a purpose
The dream for your retirement may be to sit on the beach and relax all day. This may be good for a little while but at a certain point, you may feel that it is getting boring. Since retirement is going to last for years or even decades, it is important to make sure that you have a purpose that keeps you going.
This may mean that for some going back to work is the ideal retirement. You don’t need to go back to having a stressful job or career complete with a soul-crushing commute. It could just be a part-time job working the ticket desk at the cinema or volunteering for a nonprofit.
These types of jobs are not ones that require a total commitment and will keep you busy. It’s important to not only stay busy but feel like you are important and have a purpose in life. It’s great for seniors to feel like they are still valuable and are still useful.
Find a job that interests you and has the right level of work and commitment that is going to match your availability and ability. Start out with just a few hours per week and go from there. If it seems like you want to go further then you can add hours as you go.