你对未来有什么设想? Some see retirement as a time to start a new career. 其他人则认为这是一个旅行的时间. Still others plan to spend more time with family and friends. With that in mind, here are some things to consider.
你绝对需要完成什么? If you could only get four or five things done in retirement, what would they be? Answering this question might lead you to compile a “short list” of life goals, 虽然他们可能与金钱无关, the financial decisions you make may be integral to pursuing them.
什么能让你恢复活力? Some people retire with no particular goals at all. After weeks or months of respite, ambition may return. They start to think about what pursuits or adventures they could embark on to make these years special. Others have known for decades what dreams they will follow ... 然而,, 当跟随他们的时机到来时, those dreams may unfold differently than anticipated and may even be supplanted by new ones.
In retirement, time is really your most valuable asset. With more free time and opportunity for reflection, you might find your old dreams giving way to new ones.
你应该和谁分享你的时间? Here is another profound choice you get to make in retirement. The quick answer to this question for many retirees would be “family.“今天, 我们有核心家庭, 混合家庭, extended families; some people think of their friends or their employees as family.
你打算花多少钱? We can’t control all retirement expenses, but we can manage some of them. The thought of downsizing your home may have crossed your mind. One benefit of downsizing is that it can potentially lead to no mortgage or a more manageable mortgage payment.
你能留下遗产吗? Many of us would like to give our kids or grandkids a good start in life, but leaving an inheritance can be trickier than many realize. 税法是不断变化的, and the strategies that worked years ago may have more limited benefits today.
Keep in mind this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your tax or legal professional before modifying any part of your overall estate strategy.
你如何为退休做准备? 这是所有问题中最重要的一个. If you feel you need to prepare more for the future or reexamine your existing strategy in light of recent changes in your life, conferring with a financial professional experienced in retirement approaches may offer some guidance.
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