You might have spent years dreaming of retirement, but have you properly planned for your golden years? People often prepare financially for retirement but overlook its emotional, mental and physical aspects. That said, are you really retirement ready? If so, you should be able to answer “yes” to the following questions.
Although you can expect to feel some work-world withdrawal at first, you should feel happy and excited about this new beginning. Take time to focus on retirement’s positive aspects, like doing all the things you never had time for. Decide exactly what you want to achieve in retirement. Do you want to travel, take classes or become a novelist? The choice is yours.
After working most of your life, you’re used to being productive. Let’s face it, a couch potato’s lifestyle just isn’t you—and it isn’t healthy. In fact, idleness can lead to depression, isolation and loss of self-esteem. Set goals and plan regular activities, such as being involved in volunteer work, a part-time job or a book club.
You can save a few dollars by having your employee health insurance cover a full physical. With a clean bill of health, you can retire with peace of mind.
Don’t let yourself become isolated. Are you connected to the Web? Do you have other retired friends you can join for social events and physical activities?
As you age, your metabolism will inevitably slow down. You need to exercise to burn excess calories and prevent gaining weight, which can creep up on you. Being overweight can lead to diabetes, high cholesterol, hypertension and clogged arteries. Schedule a regular time to exercise for at least 30 minutes a day, join a gym or walking club or sign up for fitness or yoga classes in your community.
Stay committed to a healthy, balanced diet. Watch your calories and eat at least nine servings of fruits and vegetables, 25 grams of fiber and 1,200 milligrams of calcium a day. Cut out table salt and limit total sodium to 1,300 mg a day (less than one teaspoon).
Don’t let a restricted income keep you from getting the healthcare you need. Ask your healthcare provider about cost-cutting tips, such as switching to less costly, generic medications.