We are living in an age, where many people not only have a higher life expectancy, the majority also lives healthier, stays healthier, appears to stay young longer and therefore many people want to stay busy, maybe even then when they could retire. Those factors would suggest, that retirement is a broad term, leaving quite some room for the individual to arrive with decisions which suit their individual lifestyle. What I have observed though within the younger generation that for some people the race for the right retirement seems to start as soon as they leave school or the university. Personally, I find this trend a little sad because there is so much more to life than just retiring in style.
The flipside of the coin is, that there are also those people for whom retirement does not sink in as a concept. Those are those people, who do not even think of stop working, love what they are doing, when they are doing it and for how long.
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Between those two extremes of possible retirees almost any other option of retirement is possible. However, even if you think of working all your life, you might want to consider a retirement plan. The trick with life is, it might not always go the way you want to. Unexpected incidents are always possible. In such cases it is always reassuring, if you can fall back on a comfortable financial cushion. You might not be able to work anymore, but your financial situation lets you still do the things you love!
Just recently I read an article, written by a German psychologist, who was saying, that it is not only work which can make us sick, sudden retirement can make us sick as well. What he was pointing at, was that many people see retirement as the promised land. However, when they arrive there, the icing was off the cake. It is not retirement itself, which can make people sick, but having nothing to do from one day to another. Particularly, if you were busy all your live.
I would suggest that retirement and retirement planning is much more than having enough money when you get to this age. For the financial planning of your retirement, you can get help from a financial planner. He will ask you several questions about your income and lifestyle before any planning begins.
As for what to do, when you stop working you can do much to help yourself. Think of all the things you wanted to do throughout your life but told yourself, that can wait for later. Retirement kind of is ‘the later’ you were waiting for. Now is the time to do that bring fun and excitement to your life.
Another good idea would be to phase into retirement. With other words don’t stop working altogether just because a certain date has arrived. Make the fulltime job part time job and keep cutting back on work until you are totally comfortable enjoying all the time you’ve got for your dreams now!
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