《女性与财富:迈向退休的支点

退休是一个重要的转变, and it can bring both challenges and opportunities for women who have spent many years focused on their careers. 对于接近退休年龄的女性, it is crucial to consider various tips and strategies to ensure a smooth and fulfilling transition. An elegant pivot from work life to a life of one's own requires careful consideration. A woman retiring at 65 may live another two decades or more. 这不仅需要很长时间的融资, it's also a long time to figure out how to fill your life with meaningful activities.¹

身份的改变

退休可以改变一个女人的身份, especially those who have worked in the same profession for many years. Exploring new interests and finding a new sense of purpose could involve taking on a new job title, 追求激情, 或者只是接受新的爱好和活动. But you'll enjoy your retirement more if you start thinking about establishing the new "you" independent of your career.

解决你的财务问题

One of the first steps to take when preparing for retirement is to address financial matters. 这包括检讨你的房地产策略, 整理好所有必要的文件, and having contingency plans in place for the emergencies and the unexpected. Consider meeting with a financial professional before and after retiring to help establish that the appropriate steps are being taken.

转向新的职业

For women concerned about their savings or Social Security benefits, 考虑兼职工作, 在家办公, or starting a small business can provide income and social interaction. You have the choice here to ease into retirement while still keeping active and engaged. The Department of Labor says that women are more likely to work part time in retirement. Many part-time jobs may not have retirement plans, making it necessary to plan accordingly.¹

女性的另一个选择是做志愿者. Many miss the engagement and challenge of the workforce, and volunteering allows them to dedicate their time to helping others while gaining personal fulfillment. Volunteering can be a way to stay connected to the community while making a difference.

既然你有时间，为什么不尝试一些新的东西呢? Taking classes is also a way for women to continue learning and growing in retirement. Many courses covering various topics are available online or in person, allowing you to explore new interests and stay mentally active.

关注你的健康

Beyond addressing financial matters and 寻找保持参与的方法, 妇女必须优先考虑退休后的健康问题. This includes eating a balanced diet, exercising regularly, and getting the right amount of sleep. But your overall health includes more than just your physical body. Social engagement is also essential for happiness and health. Even for natural homebodies, spending time with others can have a positive impact.

It's essential to remember that adjusting to retirement takes time. Transitioning into retirement can be a significant change for women who have dedicated many years to their careers. 然而, 经过仔细的准备和考虑, 女性可以充分利用这一新的生活阶段. 通过解决财务问题, 寻找保持参与的方法, 优先考虑健康, 探索新的兴趣, women can embrace retirement as a new beginning and enjoy a fulfilling and rewarding experience. It is normal to experience a range of emotions after retirement, 但这些感觉可能会随着时间的推移而改变. Being patient with yourself and understanding that it is a process may help alleviate frustration

1. 痛单位.2023年9月14日

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