5个迹象表明你正在走向“轻松”的退休生活
你需要多少钱才能退休致富?
信不信由你，对任何人来说都没有固定的数字.
Lifestyle and the quality of your retirement plan are certainly two big factors.
但考虑到经济和通货膨胀, a definitive picture of our financial future can feel somewhat elusive.
So, 给你一点启示(并提供一点指导), here are a few telltale signs you might be set up for a “comfortable” post-work lifestyle.
我会富有地退休吗?? 这5个迹象指向“是”
无论你何时何地退休，你 可以 be in for a rich life—for the rest of your life—if the following describes your circumstances.
1. 最低或零债务
当你退休时，你的债务越少越好. That can mean 更多的 financial freedom and 更多的 flexibility to use your retirement income for real estate, 医疗保健, 和爱好.
Keep in mind that financial freedom in retirement isn’t just about eliminating debt. If you’re financially supporting children or other loved ones as a retiree, it 可以 have the same impact as carrying personal debt into retirement.
提示在退休前尽可能多地还清债务, 从抵押贷款、汽车贷款到信用卡等等. 考虑裁员, 搬迁, and/or making other lifestyle changes to reduce your debt and bolster your financial footing ahead of retirement.
2. 战略储蓄
富裕的退休生活往往源于丰厚的储蓄, and those savings can consistently grow with proper automation. 这意味着要找到最有效的策略, 频率, and amounts for automating transfers into retirement savings accounts.
So, 如果你的储蓄是自动驾驶的, with consistent contributions into your retirement account(s), 你可能正走在通往富裕退休生活的正确道路上.
提示: Consider earmarking bigger “windfall” payments (or portions of them) for your retirement savings. 例如, create a “rule” that 10% or 25% of your yearly tax refunds or annual bonus payments go straight to retirement savings.
3. 清晰的预算
What’s the minimum monthly amount you need to maintain your current lifestyle in retirement?
你有没有考虑过 更多的 退休收入? 或者你正期待着?
Many people can’t answer these questions before or even in retirement. Which, unfortunately, can lead to overspending and a very tight wallet.
提示当前位置尽可能快地拨入退休预算. 也, 为自己建立一个“签到”期, so you’re reviewing the numbers at least once a year and making any adjustments, 如果需要.
4. 少依赖社会保障
The less you need to rely on Social Security, the richer you may be in retirement. 一般, wealthier retirees have multiple income streams in retirement, with Social Security as just one source of money that’s supplemented by 401(k)s, 养老金, 年金, 和/或其他收入.
提示尽可能分散你的退休收入, 这样你就有了更多的风险隔离, 市场波动, 和通货膨胀.
5. 扎实的、不断增长的金融知识
Your understanding of finance can go a long way toward setting you up for a blissful life in retirement. That’s because financial literacy can result in prudent choices and a 更多的 balanced perspective. It can also give you a much stronger sense of how long retirement 可以 last and how to plan for a happier, 更丰富的工作后生活.
提示: Look at financial literacy like your retirement savings—it’s an asset that should keep growing if you’re serious about enjoying a wealthy retirement.
一个更好的方式来更富有的退休
财富需要劳动. But it’s never too late to make changes today for a 更多的 comfortable future.
不管你梦想的退休生活是什么, a financial professional can help you build a 更多的 solid foundation for enjoying a luxurious and 更多的 fulfilling retirement.
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