Below are 8 Retirement Mistakes to Avoid.
1. Relocating on a Whim. Test the waters before you make a permanent move. Well before your retirement date, spend extended vacation time in your anointed destination to get a feel for the people and lifestyle.
2. Putting Off Saving for Retirement. Many people do not start to aggressively save for retirement until they reach their 40s or 50s. This is not soon enough.
3. Avoiding the Stock Market. Shying away from stocks because they seem too risky is one of the biggest mistakes investors can make when saving for retirement.
4. Borrowing From Your 401(k). Short of an emergency, tapping your 401(k) is a bad idea.
5. Decluttering to the Extreme. Be careful about what you throw out in haste. Sentimental value aside, certain professionals including doctors, dentists, lawyers and accountants can be required by law to retain records for years after retirement. As for tax records, the IRS generally has three years to initiate an audit, but you might want to hold on to certain records including your actual returns indefinitely.
6. Buying into a Time-Share. In addition to thousands paid upfront, maintenance fees average upward of $660 a year, and special assessments can be levied for major renovations. There are also travel costs, which run high to vacation hotspots.
7. Claiming Social Security Too Early. If you claim Social Security at 62, your monthly check will be reduced by 30% for the rest of your life.
8. Ignoring Long-Term Care. The national median cost of assisted living is $45,000 a year; a private room in a nursing home, $97,455 a year.
Grocery haul number 1 ( $212) When you realise how much junk food is on your table BUT am trying to go back to monthly shopping . Thanks for making my morning easier woolies . Can’t wait to get back to the butcher shop and fresh produce shop though when I can drive and lift again !! Thank you miss Chelsea for laying it all out for mummy to check off the list . You earned your Maltese’s and hot choc my love
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Still listening to to #youbadass and really challenging my money beliefs- so much has come up to the surface but the main Things was that I am scared to spend money 💰 and it’s wasn’t because I want to save and invest like crazy which I do but like really scared 😦 But I think as I continue to listen and show gratitude towards money and all the wonderful things it has done for me and my family the feeling is going.
My husband and I now say this every night before we go to sleep.
What is your favourite money mantra?
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