7 Habits of Highly Successful Retirees: Your Guide to a Secure and Fulfilling Retirement
Practical strategies and expert tips to help you thrive in retirement.
#1: Set Clear Retirement Goals
Successful retirees know what they want their retirement to look like.
Ask yourself:
What do I want to do in retirement?
When do I want to retire?
How much income will I need to live comfortably?
What monthly savings or income will help me reach these goals?
Having a clear vision helps you make smarter financial decisions and reduces anxiety about the future.
#2: Eliminate Debt Before Retirement
Debt can drain your retirement income. Focus on paying off credit cards, medical bills, and loans before you retire. Use strategies like the “debt snowball” method: pay off your smallest debts first, then tackle larger ones. This builds momentum and confidence as you see your debts disappear.
#3: Stick to a Realistic Budget
A budget is your roadmap to financial security in retirement. Track your spending, cut unnecessary expenses, and prioritize essentials like housing, healthcare, and groceries. Review your budget regularly to stay on track, especially if your income changes.
#4: Invest for the Long Term
Even in retirement, it’s important to keep your money working for you. Consider investing a portion of your income—experts often recommend 15%—to help your savings grow and outpace inflation. Choose investment options that match your risk tolerance and retirement timeline.
Know your full retirement age and how claiming early or late affects your monthly check.
Consider strategies like coordinating with your spouse or using a “delay fund” to boost your benefit.
Review your Social Security statement annually to check for errors and plan ahead.
Want to learn more about how you can maximize your Social Security benefits? Get our Benefits Insider Social Security Guide to start saving today!
#6: Plan for Healthcare and Long-Term Care
Healthcare costs can be one of the biggest expenses in retirement. Research your Medicare options, consider supplemental insurance, and set aside savings for medical emergencies. Planning ahead gives you peace of mind and helps avoid financial surprises.
Medicare can be extrememly overwhelming. If you are looking for free help from a Medicare expert, consider contacting our partner, Chapter Medicare. Give them a call to get help finding the best plan for YOU: 539-205-2147.
#7: Your Work History Still Counts
Successful retirees stay engaged—physically, mentally, and socially. Volunteer, pursue hobbies, join community groups, or take classes. Staying active not only boosts your health but also enriches your retirement years.
Real Life Example
Ellen, 68, paid off her mortgage before retiring, set a monthly budget, and volunteers at her local food bank. She says, “I feel secure knowing I have a plan and a purpose every day.”
Want to Make the Most of Your Retirement?
Review your goals and budget regularly.
Seek free or low-cost financial advice from local agencies or benefits counselors.
Don’t hesitate to apply for food stamps or other assistance programs if you need help with groceries or bills.
Download our Retirement Success Guide for step-by-step strategies and more real-life stories.
You’ve worked hard—make your retirement work for you!
This newsletter is for information only. Always double-check your options with a professional before making big decisions.
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