Читать книгу Personal Finance After 50 For Dummies - Eric Tyson - Страница 70

When beginning your retirement planning, make sure if you are married that you sit down with your spouse and coordinate your individual plans. Doing so may seem obvious, but it’s an important step. Discussions about retirement plans need to begin long before retirement. Even when one spouse is doing most of the financial planning for retirement, both spouses need to have a meeting of the minds over the nonfinancial aspects of their senior years. And the spouse who is not doing as much of the financial planning still needs to know the overall financial situation.

There are some topics couples should begin discussing at least five years before retirement:

 Should each of you retire? If so, when would each prefer to begin retirement?

 Would retirement be complete, or is part-time work a possibility for either spouse?

 Where will you live during retirement?

 How will each of you spend nonworking time during retirement? What things do you anticipate doing together and which will you do separately?

 Have you estimated how much money you will need to support your retirement plans? If so, how much will you need and how close are you to having it?

 What is the plan for spending your retirement funds, and what is the plan for investing the funds?

 What assets and accounts do you own, where are they, and how are they invested?

 What legacy do you hope to leave? Is there a plan for fulfilling that goal?

 What is your estate plan and where are the documents?

 What role will children, grandchildren, and parents play in the rest of your lives? Will you move to live near either adult children or aging parents? Do you plan to help or support either of them if needed? If this is a second marriage for either spouse, what are the plans for any children of the prior marriage?

 What is the attitude of each of you toward aging, and how do you expect to react to it?