When preparing for retirement, it is easy to get caught up on the monetary side of things. The inevitable questions will run through your mind like, “will I have enough savings” or “will I outlive my retirement funds?” And while it would be irresponsible to slack on your financial preparation, there is much more to retirement than just money. Sure you want to enjoy your post-work years comfortably, but that means that you are as comfortable in your body and mind as you are relaxing on that white sand beach. As you reach your golden years, it is a sign that you are aging. Half of Americans retire between the age of 61 and 65, according to data from the LIMRA Secure Retirement Institute. And with age, comes the increased risk of deteriorating health. While issues like Osteoporosis and Alzheimer’s may already be on your radar, there are many other risk factors that come with age.
To make sure that you get the most out of retirement and stay healthy throughout your golden years, follow these 5 tips:
Some Things to Keep in Mind for Post Retirement
- Build Bridges
One of the best ways to keep yourself engaged as you age is to stay connected to your community. Whether you choose to volunteer, join a book club, or find some other community club that aligns with your interests, staying connected to others will help you stay connected to yourself. Making and maintaining meaningful relationships with others is an important part of your overall wellbeing.
- Focus on Fitness
Exercise is an important part of your health at any age. Being physically fit goes far beyond looking good in your bathing suit. Think of physical fitness as your preventative multivitamin. You take your dose daily as a way to stave off illness and keep your mind and body working properly. Your body craves healthy movement just as much as it craves nourishing nutrients.
According to the Centers for Disease Control, if you are 65 or older and fairly healthy and fit, you should get two hours and thirty minutes of moderate intensity aerobic activity per week (or 75 minutes of vigorous aerobic activity), and you should also do muscle training twice per week. If you are new to working out, be sure to talk to your doctor first to find a plan that is both effective and healthy.
- Expand Your Horizons
You may have heard the old adage that you can’t teach an old dog new tricks. But that has been debunked time and time again. As you age, not only can you learn new things, it is important that you do. The brain can be expanded and stretched as long as you continue to work at it. Take classes at the community college, read interesting books, talk to people who challenge your beliefs. Continue to do things that allow you to grow and learn.
- Manage Chronic Conditions
If you know of any chronic health conditions that you currently have or are predisposed to, do your best to get them managed early. Not only will this allow you to live a more vibrant life, it will also help show insurance companies that you are taking the most effective steps to prevent worsening conditions.
- Ensure Medical Coverage
Once you retire, you will likely lose the medical coverage that you once depended on from your employer. Don’t wait to figure out what your next step is. Make sure that you have medical coverage lined up so you won’t have any gaps in your coverage. Life has a tricky way of sneaking up on you when you are uninsured. Medicare Advantage Plans can help to cover the cost of prescription drugs, which many people overlook. And don’t forget to keep up on all annual exams, including dental and vision which can begin to deteriorate with age.