退休 问题s That Have Nothing to Do With 钱
为退休做准备并不完全是经济上的. Your degree of happiness in your "second act" may depend on some factors that don't come with an obvious price tag. Here are some non-monetary factors to consider as you prepare for your retirement.
你将如何利用你的时间? Too many people retire without any idea of what their retirement will look like. They leave work, and they cannot figure out what to do with themselves, so they grow restless. It's important to identify what you want your retirement to look like and what you see yourself doing. Maybe you love your career and can't imagine not working during your retirement. There's no hard and fast rule to your dream retirement, so it's important to be honest with yourself. A recent Employee Benefit Research Institute 退休 Confidence Survey shows that 73% of workers expect to work for pay in retirement, whereas just 23% of retirees report that they've actually worked for pay.1
Having a clear vision for your retirement may help you align your financial goals. It's important to remember that your vision for retirement may change—like deciding you don't want to continue working after all.
你将住在哪里?? 这是影响退休幸福感的另一个因素. If you can surround yourself with family members and friends whose company you enjoy, in a community where you can maintain old friendships and meet new people with similar interests or life experiences, 这可能是一个加分项. If all this can occur in a walkable community with good mass transit and senior services, 这样更好.
How are you preparing to get around in your eighties and nineties? The actuaries at Social Security project that the average life expectancy for men turning 67 is 84.6 years old, and the life expectancy for women turning 67 is 87.1年. 有些人会活得更久. 假设你发现自己属于这个群体. 你想开什么样的车，时速85或90? 你几岁才会停止开车? 最后, 如果你真的停止开车, who would you count on to help you go where you want to go and get out in the world?2
你将如何维护你的家? At 45, you can tackle that bathroom remodel or backyard upgrade yourself. At 75, 你可能会外包这类项目, 不管你是否留在现在的家. You may want to move out of a single-family home and into a townhome or condo for retirement. 不管你退休后居住的地方有多大, 你应该准备好资助小的或大的维修, and you may need to find reliable and affordable sources for gardening or landscaping.
These are the non-financial retirement questions that no pre-retiree should dismiss. Think about them as you prepare and invest for the future.
1. EBRI.org, 2023
2. SSA.政府,2023
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