How to plan for your retirement lifestyle
For senior retirement, planning goes beyond finances. It's possible to get caught up in financial planning for later in life, so much so that you may just forget why you've saved in the first place. Knowing what you're going to do after you leave the workplace can make the transition into retirement easy and enjoyable.
To plan for your life after you retire, it's important to think about what you like to do and consider health. Many seniors decide to move to sunny, warm places when they retire or travel to places they've never been before, but easy access to health care might not be available if you decide to move out of the country. Weather is a major consideration for seniors, as warmer weather can provide more opportunity for a more active lifestyle for senior wellness.
Top 3 retirement destinations with great weather
- Asheville, N.C. – The town was once a summer retreat for the Rockefeller and Vanderbilt families, but now is quickly becoming one of the best places for businesses. With mild temperatures, a historic background and several hospitals, the town's population of seniors is already large and continuing to grow.
- Sarasota, Fla. – Florida is one of the most popular retirement places, and thousands of seniors return for the late months of the year to escape the winter. With one of the best beaches in America, Sarasota is an excellent place to retire for ocean lovers.
- San Diego, Calif. – With an average of 146 days of completely clear skies, the California coastal city has more days with sun than not . The city already has a high population of senior citizens, and it's easy to see why when Coronado Beach is considered one of the best 10 beaches in the country.
According to a US News and World report, there are certain states where people tend to live the longest. Diet, exercise, culture, lifestyle and access to healthcare all factor in for life expectancy, and some states seem to have an advantage over others. If weather is not a reason to move, you could choose to live in a place where the most centenarians reside.
States where people live the longest
- North Dakota
- South Dakota
- New York
- Rhode Island
Day to day retirement life
Deciding where you want to live is a big decision, but smaller choices will impact your overall happiness just as much. Figuring out a daily routine and how you will spend your time based on personal finances for seniors and preferences will make the transition from work to retirement more manageable. There's no rush to decide what you want to do. Instead, try testing out a few different activities to figure out what will make you happy. What is stopping you from finishing that novel you've been wanting to write or restoring an old car? Hobbies are important, but don't forget to take time outside your home, as well.
Work or Volunteer
Some retirees decide to get a part-time job to fill their day, or become volunteers with charitable organizations to help those in need. According to the Bureau of Labor Statistics, more seniors volunteered in 2012 than any other generation in 2012. Having an activity to do everyday or a few times a week can lead to a more fulfilling life during senior retirement.
Spend time with family
Grandparents are an important part of a child's life, and having more time available means you can spend it with people who are special in your life. Having more time to relax with friends and family is one of the great perks of senior retirement.