How to Prepare for a Healthy Retirement
**How to Prepare for a Healthy Retirement**
Retirement isn’t just about saving money—it’s about creating a lifestyle that keeps you happy, healthy, and financially secure. Here’s how to prepare in simple steps:
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**1. Get Your Finances in Order**
Start by reviewing your investments regularly to ensure they match your retirement goals[1]. If you’ve changed jobs often (the average worker does 12 times!), make sure old retirement accounts aren’t forgotten[1]. Use free tools like the Department of Labor’s worksheets to track savings and expenses[4].
**2. Build a Steady Income Stream**
Figure out how much you can safely withdraw each year without running out of money. Mix income sources like Social Security, investments, or part-time work. Delaying Social Security until age 70 boosts your monthly checks significantly[1][5].
**3. Plan for Healthcare Costs Early**
Healthcare is one of the biggest retirement expenses. If retiring before 65, research COBRA or Affordable Care Act plans[5]. After 65, work with a Medicare broker to choose between Advantage and Supplement plans—and don’t forget dental coverage![5] Use HSAs (Health Savings Accounts) tax-free for medical costs now or any expense after 65[5].
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**4. Stay Physically Active Now (Not Later)**
Your health is the foundation of everything else in retirement. Start exercising today—whether walking, swimming, or yoga—to avoid chronic issues that drain savings later[2][5]. A fit body means lower medical bills and more energy to enjoy life post-retirement!
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**5. Talk Openly About Money & Legacy Plans**
Have honest conversations with family about finances: Who inherits what? How will caregiving work? Write down important details like passwords and account numbers so loved ones aren’t left scrambling during emergencies[5]. Organize photos and memories now while you have time![5]
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Retirement isn’t a finish line—it’s the start of a new chapter where smart planning meets daily joy! By balancing financial prep with health habits today, you can build resilience against surprises tomorrow!
