Need a plan – a plan really helps. The plan should include where you are going to live, your finances, your interests both social and hobbies as well as even volunteering or part-time work, travel and family. Make sure you ask for ideas from your spouse and include them in the planning process. Be prepared to make changes as circumstances change and also interest levels also change. Write it down!
More important than finances – While your plan has to compliment your financial situation, it can also be more important than finances. If you are bored, have no interest in life or no purpose, it could be catastrophic for you in terms of long term health. Write your plan down on paper. Review with your spouse and family and be prepared to adjust it as life events take place.
What are your interests – list your current interests and those you may be interested in the future. Some should be personal while others should include things you and your spouse can do together.
Also, review your interests and plans. An around the world cruise might not be within your financial means. While traveling by car on a road trip is. Build a budget that takes into account regular living expenses as well as your interest areas and make adjustments as need to match your income level.
Develop multiple activities – being interested in a number of diverse interests will inspire you and also make life more interesting. Diverse interests expose you to new ideas as well as many different people who lead to an interesting life.
Adjust for stages in life – retired and healthy vs. retired and dealing with medical issues leads to many different scenarios. Make adjustments to your plan that reflect your life and your capabilities. Continuously challenge yourself.
Join for social activities and maintain friendships – One of the most important elements to living a longer life and enjoying yourself is to be active in social activities. Maintain friendships and meet new people.
All of these ideas should be considered as part of your plan to plan for your enjoyable retirement.
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