Before retiring, visionaries will prepare 5 things to have a comfortable retirement.

GĐXH - Before retiring, we need to clearly plan a few things to have a peaceful and happy life.

1. Retirement planning

One of the most important things before retiring is to plan for retirement.

Determine what you want to do and where you want to go during your retirement years to set up specific and clear goals and plans.

It is also necessary to rank the plans to find out what is necessary to do and what can be cut, this depends on our current finances.

Post-retirement plans need to be planned early. Illustration photo

2. Build a spending plan

Once you have a clear plan for retirement, the next thing you need to do is take action. First, you need to review your current savings and look at your current debts.

If you have debts, you need to deal with them immediately, don't let them drag on and become a financial insecurity in the future.

At the same time, you need to weigh your spending and make sure you always have a monthly savings to accumulate for your future retirement.

If you continually delay saving, it will affect your retirement plan and become a financial burden on your ability to be financially independent when you are no longer working.

To manage your spending effectively, you can refer to the 50-30-20 rule. In which, half of your monthly budget will be spent on essential needs such as food, housing, and transportation.

The enjoyment needs account for 30%, which will be used for shopping and hobbies. The remaining 20% ​​will serve increasing needs such as saving and investing.

But note that the rules are only meant to make your life better, and should not be followed too rigidly.

3. Nurture relationships

Don’t think that when you get old you can abandon social relationships. At any age you need to have good friends and associates by your side.

Besides relatives, these are the people who will help, support and be there to share many things with you.

Therefore, to avoid loneliness in old age, you need to nurture your relationships to become strong and close.

However, everyone should understand what a quality relationship is that needs to be cherished. Not everyone who is with you wants the best for you, even they just want you to fall.

So you need to be sober to evaluate each person, avoid bringing trouble upon yourself.

When a person retires, they need companionship and sharing. None of us can live alone, but need to live in harmony, knowing how to love and cherish those around us.

4. Consider health care costs

Old age means more illnesses. So, calculate the expenses for medicine, medical examination and hospitalization when you are old.

During the time before retirement, you should also make a plan for your health care. Illustration photo

5. Save money on living expenses

The next thing to do is to save money for daily living expenses.

Let's recalculate how much money we currently spend on daily living and consider whether that money will transfer well into retirement.

Besides, we need to calculate the cost of travel and inflation. So plan to save money for living expenses in retirement.

Before retirement, if a person can carefully prepare the above 5 issues, life will certainly pass meaningfully and happily. This is the time you can enjoy leisure, so don't lose it.

Source: https://giadinh.suckhoedoisong.vn/truoc-khi-ve-huu-nguoi-nhin-xa-trong-rong-se-chuan-bi-5-thu-de-co-mot-tuoi-huu-an-nhan-sung-suong-172250119153402898.htm