Читать книгу The New Retirement - Jan Cullinane - Страница 26

We can learn a lot from people who have done or are doing something we're contemplating doing – whether it's picking a friend's brain about traveling to a particular place he/she has been to several times, asking for recommendations for dentists or doctors, conversing with people who are living in a community we are considering for relocation, and so forth. So what about those who have already retired – what financial and nonfinancial pitfalls can they warn us about? According to financial planners who work with retirees and retirees themselves, these are some of retirees' top regrets:

1 Not starting to save early enough/not saving enough (biggest regret for most).

2 Holding too much debt (car loans, mortgages, credit card, educational loans).

3 Not figuring out how much they'll need in retirement.

4 Not knowing where their money was going prior to retirement to form a basis for a budget when they retired.

5 Not knowing how to effectively invest their money.

6 Not considering major life events, such as unexpected illness or death of a spouse.

7 Claiming Social Security too early.

8 Not making catch-up contributions to retirement plans.

9 Retiring too early (not enough money) or not retiring earlier (to enjoy the gift of being in control of your own time).

10 Not considering how they will use their time in retirement (what are they retiring to – not from).

11 Not traveling more when they had the opportunity to do so.

12 Not discussing, if part of a couple, their expectations for retirement ahead of time.

13 Not enough diversity in their retirement portfolio.

14 Buying/staying in a bigger house than they really need or one that is not aging-friendly.