Was tun Sie, wenn Sie ein Berufstätiger sind, der am Ende seiner Karriere mit der Altersvorsorge zu kämpfen hat?

"I've retired. Done deal. And yes, I'm happy. Everyone keeps asking me about retired life, and my answer is always the same—I'm happy. But truth be told, I'm actually quite bored now. So, what's next?" 😒 I might be biased, loving impactful work, but we often see it as ending. The health benefits, especially when we enjoy it, are underrated. Retirement can be stressful, particularly for those feeling they've lost their identity. Plan retirement as a transition, not abrupt. Consider how to spend time, accomplishments you'd like to achieve, ways to find joy, & how you want to feel at the end of each day. Meaningful work, particularly when it involves community, can remain a source of happiness & motivation, as seen in Blue Zones globally.

Seek expert financial advice to create a tailored retirement strategy. Assess your current financial situation, including savings, investments, and retirement accounts. Develop a comprehensive plan considering factors such as anticipated expenses, healthcare needs, and desired lifestyle in retirement. Explore options for maximizing retirement savings contributions and consider diversifying investments to manage risk. Additionally, plan for potential sources of income such as Social Security benefits or part-time work. Take proactive steps to minimize debt and expenses, ensuring a smoother transition into retirement. Regularly review and adjust your retirement plan as needed to stay on track toward your financial goals.

To assess goals is not sufficient. To have a better view, reflect on what you want to be, have and feel when you will be retired. Then classify by order of importance.

If you plan only when you are about to be retired, it's unfortunately too late. Think at it at least 5 years before, or 10 years before. In modern countries there is a huge gap between be employee and retired because savings and pension funds can lead you to live on 60% only on what was your salary before and break totally your dreams. That's why a wise person should think at it as soon as possible.

If you're a late career professional struggling with retirement planning, start with these steps, assess your current financial situation (review all income avenues and compare with estimated retirement expenses/healthcare/travel/discretionary), set clear retirement goals such as retirement age and lifestyle, review your current retirement accounts (look at catch-up contributions, reallocations), estimate social security benefits, seek professional financial advice from a late-career specialist, consider income strategies such as pensions, annuities, investments, property rentals, etc., review insurance coverage, and continuously monitor and adjust your plan.

Vérifiez vos options d'assurance santé pour la retraite, en particulier si vous perdez une couverture fournie par votre employeur. Prenez en compte les besoins potentiels en matière de soins de santé à long terme et comment vous prévoyez de les financer.

Pensez à comment vous maintiendrez des liens sociaux et une vie sociale active pendant la retraite pour éviter l'isolement. Planifiez des activités ou des engagements qui vous tiendront actif et connecté à une communauté, que ce soit à travers des hobbies, des activités de bénévolat, ou des groupes d'intérêt.

Legacy is not only about finance but who you were while living: how people will consider you after your death? How did you make them feel in your presence? My recommendation is to at least write your story when you are retired. This will allow your blood line to know who you were. And you can do it with AI and have an inspiring story to tell them.

Assurez-vous que votre planification successorale est à jour, y compris votre testament, les directives avancées, et la planification de la succession pour les biens et les affaires financières. Si vous êtes toujours actif professionnellement, pensez à comment vous pouvez transmettre vos connaissances et votre expertise à la génération suivante avant de partir à la retraite.