Retirement is a serious topic, but that doesn’t mean you have to be uptight about it. Take a break from all the doom and gloom and enjoy a laugh every now and then. Life is too short to be stressed out about a time when you’re supposed to be relaxing and finally enjoying your life. We could all use a little retirement humor every now and then. Live a little!
Here are some hilarious retirement memes that will make you laugh.
Don’t count on dying early so that you won’t run out of cash. If you have no idea how long your retirement money would last, don’t make a guess. Plan ahead and figure out how much you need to save now so you won’t run out when it’s time to call it quits.
Even if you have saved enough, you could run into trouble if you’re not clear on how much you can safely withdraw each year during retirement. Less than 25% of respondents in an Ipsos survey for New York Life didn’t knew how much they can safely withdraw from savings. Most financial professionals recommend withdrawing anywhere from 3% to 4% each year.
Next: Why retire?
Some people choose not to retire. If you’re relatively healthy, you like your job, and there’s longevity in your family, this might be an option. Who says you have to leave the workforce permanently? Do what works best for you and what makes you happy. You’ll not only have more money in your pocket but also be more satisfied with your life. Betty White, Warren Buffett, and musician Mick Fleetwood are examples of some people who have chosen to work until they die.
Next: Don’t count on the lottery.
Winning the lottery should not be part of your overall retirement plan. Your chances of hitting the jackpot are quite slim. Instead of wasting money on tickets each pay day, work on creating a solid investment and savings plan. Hire a certified financial planner. He or she can help you create a plan that works with your lifestyle and budget. You can find a certified financial planner when you conduct a search on the Certified Financial Planner Board of Standards website.
Next: Don’t burn out.
Although it’s important to prepare for retirement and work hard to build your nest egg, don’t burn yourself out. Remember to take your vacation days, take lunch breaks, and make time to enjoy your hobbies. Retirement cash is important, but so is your current physical and mental well-being. Take steps to avoid burnout now so that you won’t be forced to retire early because of poor health later on.
Next: You, too can be happy.
You have a lot to look forward to. On the days when you get stressed out about how much you have saved for your golden years, think about the things that are going right. You might not be where you want to be right now when it comes to savings, but be happy about the fact that you have at least gotten started. You’re on the right track, just keep moving forward.
Next: Don’t forget healthcare costs.
One cost you don’t want to forget when making your retirement plans is health care. This is a forgotten cost that could mean the difference between being comfortable or struggling to make ends meet. If you fail to make the proper adjustments to your budget you could find yourself having your own personal retirement crisis. U.S. consumers spent an average of $4,342 on health care costs in 2015, according to the Bureau of Labor Statistics. This was a 1.2% increase from the previous year.
Next: Only for the 1%?
Retirement doesn’t have to be for the one-percenters. If you start saving early, you can have a shot at being comfortable during retirement. Waiting to save can make it a lot harder to catch up later on. You can take advantage of catch-up contributions if you’re age 50 or older. However, it’s a lot harder to make up for lost time because you’ll have to save a lot more in a shorter amount of time.
Next: Take care of yourself.
If you want to be as sassy as this woman when you get older, you’ll want to start taking care of yourself now. Retirement shouldn’t involve sitting in a chair all day and watching television. Get out and get active! Eat well, get enough sleep, and get some exercise each day. Having enough cash in your nest egg won’t mean much if you’re not well enough to enjoy your time away from work.
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