{"id":65739,"date":"2023-09-01T09:21:55","date_gmt":"2023-09-01T14:21:55","guid":{"rendered":"https:\/\/trta.org\/?post_type=retirement&#038;p=65739"},"modified":"2023-09-27T10:10:47","modified_gmt":"2023-09-27T15:10:47","slug":"successful-retirement-starts-with-smart-financial-choices","status":"publish","type":"retirement","link":"https:\/\/trta.org\/es\/retirement\/successful-retirement-starts-with-smart-financial-choices\/","title":{"rendered":"Una jubilaci\u00f3n exitosa comienza con decisiones financieras inteligentes"},"content":{"rendered":"<p>Currently, nearly 10,000 people in the United States turn 65 years old every day. By 2028, that number will reach nearly 12,000 people a day. That adds up to millions of people leaving the workforce every year. Are they prepared for a successful retirement?<\/p>\n<p>Americans are living, on average, more than two decades after the traditional retirement age of 65. The average 65-year-old American man will live to be nearly 86 years old, while the average 65-year-old American woman will live to nearly 88 years old.<\/p>\n<p>As exciting as retirement can sound, the fact is more people are retiring with less savings than they need to be comfortable. In fact, more than 1 out of 5 Americans have no retirement savings at all.<\/p>\n<p>It\u2019s never too late to save, even after retirement. Here are a few things you should consider for a successful retirement.<\/p>\n<h2 id=\"h-downsize\" class=\"wp-block-heading\"><strong>Downsize<\/strong><\/h2>\n<p>Consider what you own, what you need, and what you\u2019d be OK doing without. If you\u2019re an empty-nester and no longer need a big house \u2013 or want the expense of maintaining it and the property \u2013 you can move to a smaller and less costly home. You could even consider moving to another state that might have a more favorable cost of living and new adventures.<\/p>\n<p>Downsizing doesn\u2019t only have to mean your home. You can consider if it\u2019s time to let go of items like season tickets to your local team or subscriptions to a variety of entertainment services. Additionally, you could sell an extra vehicle or some items like designer clothes and handbags. Put what you make into savings.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Trim your lifestyle and spending<\/strong><\/h2>\n<p>Look at your purchases over the past few months. Identify spending habits that you can eliminate. One of the most frequent expenses that \u201csneak up\u201d in terms of the accumulation of cost to you is dining out too often. Could you start cooking more meals at home instead of going out to eat as often? Keep a diary to track your spending. Note extravagant purchases and see ways to save.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Invest wisely<\/strong><\/h2>\n<p>At this point in life, you\u2019ll want to make less risky investments than you did when you first started working. But you\u2019ll still want to invest. See if you can get a higher return on investment by investing in an annuity or mutual fund compared to waiting for a savings account to grow.<\/p>\n<h2 class=\"wp-block-heading\"><strong>Be ready for a rainy day<\/strong><\/h2>\n<p>One of the smartest investments you can make for a successful retirement is having the right benefits to cover routine health exams like Vision and Dental care, or in case of an emergency. The healthier you stay, the less expensive health care will be! <strong>Set up a FREE Benefits Review today so you can discuss with a skilled AMBA field agent what coverage you need to protect your health, finances, and loved ones. Visit <\/strong><a href=\"https:\/\/ambabenefits.com\/3u3YH8X\"><strong>www.amba-review.com<\/strong><\/a><strong>\u00a0or call\u00a0<\/strong><a href=\"tel:8666154063\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>866-615-4063<\/strong><\/a><strong>\u00a0Mon.-Fri 8am-5pm CT. It\u2019s nice to know that anytime you have questions about your insurance benefits, someone is ready to assist.<\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Currently, nearly 10,000 people in the United States turn 65 years old every day. By 2028, that number will reach nearly 12,000 people a day. That adds up to millions of people leaving the workforce every year. Are they prepared for a successful retirement? Americans are living, on average, more than two decades after the [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":65740,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[41,40],"class_list":["post-65739","retirement","type-retirement","status-publish","has-post-thumbnail","hentry","category-managing-money","category-successful-retirement"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Successful Retirement Starts with Smart Financial Choices - Texas Retired Teachers Association<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trta.org\/es\/retirement\/successful-retirement-starts-with-smart-financial-choices\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Successful Retirement Starts with Smart Financial Choices - Texas Retired Teachers Association\" \/>\n<meta property=\"og:description\" content=\"Currently, nearly 10,000 people in the United States turn 65 years old every day. 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