Are you advancing in years and finally seeing the end of the tunnel? This has certainly been a physical and mental labour journey, and you are ready for the next restful phase of your life.Is retirement upon you, and you wonder how to spend your newfound time? It can be scary because many of us associate our identity with what we do for a living, which is the structure of our existence.
We must forge a new path because, ultimately, we have more than we earned.
I’m writing about this topic of best retirement plans for seniors because I’m a leading behavioral change expert, and have been brought in as a “retiree doula” for many people.
To help you navigate this next chapter, here are the best retirement plans for seniors.
You may have many ideas for how to spend your golden years, but you need to fund them. You may also want to leave a financial legacy for your family. All of this should be calculated ahead of time with a retirement budget.
Start by writing down whatever income you will still earn, including investments, pensions, and side hustles. Now, add any lump sums of money or expensive items you plan on liquidating. Write down your monthly expenses and bills on the other side of the paper. This should show you how much money you have left over every month, plus your nest egg.
With this information, you can decide things you want to do in retirement that cost money.
Retirement is leaving your old life for a new one. Along with hanging up your work shoes, you may want to leave behind other tasks, like taking care of a house and maintaining a yard. Retirement homes are a viable option for those who want an easier life and a new adventure.
Retirement homes are not like hospital settings. Think of your ideal exclusive vacation stay at a resort. Modern retirement homes offer this. They have spacious, private residences where you can bring all your belongings and set up a suit. Once you open your front door, adventures await. There are so many activities to participate in:
Beyond all of these activities are group outings and other organized events. You can get as involved as you want, making your daily itinerary according to your interests. One of the best parts about retirement homes is the food. Forget about meal planning because it is done for you with chef-prepared meals that feel like dining in a restaurant every meal. This is what true retirement living is all about.
You have probably taken regular vacations during your working life, usually one- to two-week excursions near and far. In retirement, this should continue, but you are no longer limited by time. This is where vacations turn into travelling, and the real adventures start.
Make a destination list according to priority and desire. This can be further split into large and small trips. Once you have completed the list, start booking dates and have fun.
One thing is certain about retirement: You’ll have a lot of time on your hands. Your working hours will be yours to fill, so you need to find new things to do to avoid boredom or loneliness.
Taking up a hobby is exciting, and it can be anything you have done before or want to do. If you have a network of friends, they may want to join you, and you will have companions for these hobbies and activities. Leisure sports, like tennis, golf, or swimming, might be just right – and healthy for you too.
You may be more artistic and want to learn an instrument or take pottery or cooking classes. It can even be charitable work, such as donating time to needy people. Whatever you decide, you have the time to do it now, so fill your dance card with the things you have always wanted to do.
For people your age looking for what to do in retirement, now is the time to reconnect regularly and share some time. This companionship can be during hobbies, vacations, or a friendly card game. Share a few drinks, an evening of homemade dinner, and a movie with a loved one because this will feed your soul.
Don’t have many friends? Make some new ones by putting yourself out there. This can be through new activities or joining clubs and other groups that interest you. Before you know it, your social calendar will spill over, and lasting memories will be made regularly.
If you want to learn how to live longer and younger, while maintaining good health and clarity of mind, you will love my bestselling longevity book “Life is Long.”
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