Typically getting older means more health problems and issues. That doesn't have to be the case though and there are many benefits to entering retirement healthy and continuing the healthiness while in retirement. According to a Fidelity Investments Retirement Savings survey, arriving at retirement in good health can result in some major cost savings. Those who retire in goo15d health may need 19% less money over the course of a retirement than people who have chronic conditions and bad habits.
Roughly 20% is a significant amount of money! If you are concerned about having enough money for your retirement one thing you can do to help benefit yourself and your retirement nest egg is to get as healthy as possible!
While we here at Accuplan Benefits Services strive to help you get the most out of your retirement investing. We also want you to have the best retirement possible and a healthy retirement is a great start. While there are plenty of things that can determine your longevity and total health and wellness the following are a few of the things that you have control over that can make a difference in your total health while in your retirement years:
1- Environments- The environments that you have lived and currently live will affect your overall health and can help determine what your average life expectancy is.
2- Cultures and norms- The cultures and norms can make a big difference to your overall healthiness. There are times when cultures and norms are actually bad for your health.
3- Lifestyles- This is one of things you have the most control over. While it is still hard to change some of your lifestyle habits you can do it.
If you can only focus on one of factors to improve your health now and for retirement focus your biggest efforts on your lifestyle changes. Why focus on lifestyle changes? Simply because if you make a difference to your lifestyle changes it can affect all other factors to your health. It can affect your culture and norms and even your environment. If you change your lifestyle enough more than likely you will have to change certain aspects of your culture or the norms that your culture indulges in.
Lifestyle changes can be big changes or little changes. You can simply decide to start walking and moving more throughout the day or you can make a bigger move and decide to go to the gym everyday for at least an hour. You can decide to stress less or you can take a bigger leap and do yoga a few times a week. You could decide to cut out one of your regular eating out for lunch days or you could dig deeper and decide to cut out sweets and soda from your diet.
Whatever you choose to do to improve your health by changing your lifestyle make sure to make it something attainable. Something you can do and something you can improve upon. Baby steps can go along way. If you take baby steps continually, eventually you will get to where you want to go, and in our case you'll arrive at retirement much healthier than if you didn't take those lifestyle changes to a better, healthier and happier life.
Making sure you are healthy and happy when arriving at retirement is just one thing you can do to make sure your retirement nest egg is what it needs to be in order to fully fund your retirement.
For more help investing how you want with your retirement accounts feel free to contact us and we can help you get investing in things you want, like real estate or gold.
Author: Nick Barker