Pre-Retirement Health Check List

    Balancing the life they want to live today with the one they want to live in retirement is one of the biggest dilemmas for people have approached retirement. Not everyone makes to retire ‘on time’, but we can learn a lot from those who managed to do it.

    While some could put a “happily retired” tag on their front door, others wouldn’t even admit to being retired. That’s exactly the catch – it’s about living the kind of life that you decide. Whether it’s learning new things, travelling, or working, it’s all up to you. We bring you a pre-retirement checklist regarding health, fitness and finances. Work on ticking these boxes so you can afford yourself to live a retirement life you desire.

    #1 Positive Attitude and Clear Vision

    Don’t let aging concern you or bring you down. We knew it was coming, we just didn’t think about it due because of, well, life that was happening. It is necessary to have a healthy approach towards it. It affects us all differently, but there are things we can do to ensure it a healthy process. Expect challenging and positive changes and life transitions. What is your vision? When you say retirement, a picture of some kind should pop into your mind. What is it like? What kind of financial and retirement plan would support it? How will you manage to get the most out of each day? What changes do you expect along the way? These questions are important and should be contemplated.

    #2 Financing: Get It in Order

    In order to reduce living expenses, try to pay off your mortgage before retiring. Also, try to get a tax-deductible way of borrowing by establishing a home-equity line of credit. Pay off as many small debts as you can, and consider getting a HELOC or refinancing a mortgage while you still have a salary.

    #3 Retirement Budget

    Creating a retirement budget includes mapping all your expenses and adjusting your lifestyle realistically, which makes the planning of a stream of income quite important. Know what your pension, social security and survivor benefits will be, as well as their paying options. Some experts say that if you withdraw more than 4% of your retirement savings annually, you’ll probably deplete your funds prematurely. Thus, it is suggested to practice the new lifestyle before you actually retire.

    #4 Stay Active after Retirement

    In order to stay active, perform two days of muscle strengthening and at least two hours of moderate aerobic exercise per week. Low intensity exercises, light weights, or taking walks should be a start from which you will slowly build up. Improved physical strength means disease prevention and will boost your ability to perform everyday things. When you feel you can’t manage it by yourself anymore, you can find caregiving and trustworthy people that are specialized in home care, and honestly dedicated to their job, to provide help.

    As for your diet – limiting alcohol consumption is required in addition to healthy eating. Even though people tend to drink less as they get older, a number of adults are susceptible to consume alcohol in amounts beyond recommended. Experiencing big life changes, such as retirement, when unprepared can lead to drinking unhealthy amounts of alcohol. Health is maintained by limiting alcohol intake.

    #5 Take Care of Your Relationships

    Work on preserving your relationship and prevent falling into social isolation. A key to a happy life, no matter what age are you, is also in social engagements – staying involved with friends and family is key to warding off many mental health issues. Our close personal relationships encourage us to create life goals and give us our purpose in life. In retirement, these relationships may offer us a validation that compensates the one we received in the workplace, for example. The desire to share yourself is among basic human needs.

    When the time comes for you to make the transition, you should do it carefully. Plan it, from finding the best time to retire and maximize the benefits (financially), to smaller things such as getting new glasses (if your vision coverage should be lost). Prepare for your retirement carefully, so to be able to dedicate yourself to things that matter once work stops occupying your time and mind.

    The Zigverve Team
    The Zigverve Team
    The dedicated team at Zigverve that aims at bringing you the best lifestyle updates from all over the world.

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