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Planning For An Active Retirement

The best time to start planning for your active retirement is while you are still young enough to ensure a solid future. After all, if you wait until you hit your 60s to start considering your future, the odds are high that you will not actually be able to retire. Additionally, it takes a lot of research and planning to put together an active lifestyle that will keep you emotionally and financially satisfied. Therefore, this is the perfect time to put an action plan in place.

Seven Steps to Help Ensure an Active Retirement

1.) Open a Retirement Account

If you do not already have a retirement account in place, you should get started immediately. Keep in mind that the success of your 401(k) relies on the economy, so it is a good idea to also have a savings account. 

2.) Research Retirement Communities

Even though you probably prefer the idea of staying in your house, it is important to recognize the fact that you might need to downsize after you retire. Because of this, you should start researching retirement communities so that you will feel more secure about your future housing options. Many communities, like The Holbrook, a Gainesville GA independent living community, offer tailored packages that allow you to retain your independence but have some supportive services - housecleaning, community dining options - if you want them.

3.) Exercise Daily

According to a recent study, people who do not exercise on a regular basis are 76 percent more likely to become disabled after they reach the age of 65. In other words, if you want to be able to enjoy your retirement, you need to start exercising right now.

4.) Visit Your Doctor

Most people in their 30s and 40s who feel relatively healthy do not take the time to visit their doctor for regular checkups. Unfortunately, this can allow minor issues to become much more serious over time. Visiting your doctor for an annual physical can help you remain healthy enough to accomplish all of your retirement goals.

5.) Make a Bucket List

The odds are high that you are too busy with work and your personal life to cross a lot of items off of your bucket list, but you will have a lot more free time after you retire. Therefore, it is important to gather a list of the things that you want to do when you retire so that you can make the appropriate financial plans. 

6.) Create a Retirement Budget

Although it will need to be adjusted for inflation later on, it is still a good idea to create a sample retirement budget to determine how much money it would take to pay all of your bills. Once the budget has been completed, you should attempt to live by it for a month to determine if it is actually realistic or needs to be tweaked. 

7.) Minimize Your Expenses

Reducing your non-essential expenses is a great way to help you save for a better retirement. By putting the steps listed above into practice right now, you will be in a good position to have a healthy and active retirement. Keep in mind that it is never too late to improve your financial and physical health, and making early plans is a great way to stay focused on your goals.

Catherine Harris is an Atlanta-based freelance writer who wants to live the good life after her kids are out of the house—if that ever happens! The Holbrook, a Gainesville GA independent living community offers a variety of services, amenities and options for retirees who want to maintain their active lifestyle as they age.


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