Be ready to retire comfortably.

Be Ready To Retire Comfortably

What will life be in those golden years of yours? Will it be comfortable enough to give you a meaningful remainder of your life. Life is so short. Still many make mistakes as the following news item reveals.

Our Ridiculous Approach to Retirement – The New York Times

I WORK on retirement policy, so friends often want to talk about their own retirement plans and prospects. While I am happy to have these conversations, my friends usually walk away feeling worse — for good reason.

Seventy-five percent of Americans nearing retirement age in 2010 had less than $30,000 in their retirement accounts. The specter of downward mobility in retirement is a looming reality for both middle- and higher-income workers. Almost half of middle-class workers, 49 percent, will be poor or near poor in retirement, living on a food budget of about $5 a day.

Read More: Our Ridiculous Approach to Retirement – The New York Times

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As a result, of some indiscretions it is sad to see those end up in poverty. A destitute life as it is.

40% of American middle class face poverty in retirement, study says

Nearly half of middle-class Americans face a slide into poverty as they enter their retirement, a recent study by the Schwartz Center for Economic Policy Analysis at the New School has concluded.

That risk has been driven by depressed earnings, depressed asset values and increased health-care costs — causing 74 percent of Americans planning to work past traditional retirement age. Additionally, both private and public pension plans have been allowed to become seriously underfunded. So what can be done?

Fundamental changes in the structure of the U.S. economy, combined with increased health-care costs and lack of saving, have created a financial trap for millions of American workers heading into retirement.

Read More: 40% of American middle class face poverty in retirement, study says

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Better safe than sorry. Count the cost. Plan wisely.

The Expenses People Often Forget When They Plan for Retirement …

I’m working on a budget for retirement. Could you tell me the expenses that people tend to miss or overlook after leaving work? I’m trying to avoid as many surprises as possible.

Good question. “Stealth expenses,” as one retiree described them to me, are waiting behind any number of corners in retirement. The fact that you’re thinking about these possibilities now can help reduce pressure on your nest egg in the future.

Read More: The Expenses People Often Forget When They Plan for Retirement …

The question remains: will you conceal and protect yourself in those golden years? Let’s listen to the pros…

10 retirement lessons from a retired retirement pro – MarketWatch

For the better part of 40 years, I spent a great deal of time helping thousands of workers prepare for retirement. We ran seminars for workers and spouses on topics like retirement income, insurance, lifestyle, relocation and more. I think it’s fair to say that, if someone took advantage of the programs offered, they would have been well prepared financially and emotionally for retirement.

Read More: 10 retirement lessons from a retired retirement pro – MarketWatch    

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