{"id":11472,"date":"2021-03-11T22:10:27","date_gmt":"2021-03-11T22:10:27","guid":{"rendered":"https:\/\/jboitnott.com\/?p=11472"},"modified":"2021-09-16T16:06:56","modified_gmt":"2021-09-16T16:06:56","slug":"how-you-can-save-money-for-retirement","status":"publish","type":"post","link":"https:\/\/jboitnott.com\/zh\/how-you-can-save-money-for-retirement\/","title":{"rendered":"How You Can Save Money for Retirement"},"content":{"rendered":"

A\u00a02018 study by Northwestern Mutual<\/a>\u00a0found that nearly two-thirds of Americans who have a plan to save money for retirement are certain they\u2019ll outlive their savings. Moreover, one in five Americans (21 percent) have no retirement savings at all, and another 78 percent are concerned about not having enough money saved for the future. Here is how you can save money for retirement.<\/p>\n

These statistics are worrying and something needs to be done. Saving for retirement means doing more than enrolling in a\u00a0company 401k<\/a>\u00a0to ensure financial security during your golden years. It also means finding the freedom to enjoy your retirement, which is what actually makes those years golden.<\/p>\n

If you haven\u2019t considered saving for life after work, now might be the best time to get started.<\/strong><\/h2>\n

However, if you\u2019re already retired, proactive financial planning can help you save money right now. You don\u2019t have to spend the next three decades stressing out or worrying about running out of money at any moment. Here are eight ways to help you save money for retirement and guarantee it lasts as long as you do after retirement.<\/p>\n

Minimize Your Fixed Expenses<\/h2>\n

One of the many ways you can save money for retirement is by minimizing essential expenses like shelter, transportation, insurance,\u00a0debt payments<\/a>\u00a0and food. Owning two or three cars might have been necessary for your family before retirement. But, since you\u2019re no longer commuting to work, sell one of your cars.<\/p>\n

You\u2019ll make a little money in the short term, and it can save you on maintenance costs and monthly auto insurance payments long-term.<\/p>\n

Downsizing your home may be a good option for you too. Chances are your children have grown and are no longer living with you, which means you need less space. A smaller home will also help you save money on utilities and repairs. Consider moving to a retirement community as well. This may bring some fun and new friendships into your life and simplify life after work.<\/p>\n

Maximize Credit Card Points<\/h2>\n

Taking advantage of credit card points isn\u2019t only attractive for young professionals who travel a lot. It could be a great way for you to save money for retirement.<\/p>\n

Imagine taking your 80-year-old parents on vacation to Europe or booking a luxury family trip to your dream destination. Here\u2019s the best part. You get everyone to fly first-class using your points and miles, saving over $25,000 on flights. Yes, that happens more often than you think. And you can do it as well.<\/p>\n

Simply sign up for the perks your credit card offers (cash backs, travel miles, points, etc.) and take advantage of them.<\/p>\n

Always Ask About Senior Discounts<\/h2>\n

Whether you\u2019re visiting a national park, shopping for a new piece of furniture, or buying your favorite dish at a local restaurant, ask if there are any discounts for seniors available. Keeping track of all the stores that offer senior discounts can be daunting. So, make it a habit of asking for one. You\u2019ve earned it, and it only takes a few seconds to ask.<\/p>\n

Consider a Reverse Mortgage<\/h2>\n

A reverse mortgage is a type of loan that lets homeowners over the age of 62 borrow from their home\u2019s equity and receive funds as structured monthly payments, lump sum, or line of credit. According to the\u00a0CEO of All Reverse Mortgage<\/a>, Michael Branson, if you\u2019re a retiree with considerable home equity and are looking to supplement your retirement income, a reverse\u00a0mortgage<\/a>\u00a0might be ideal.<\/p>\n

The entire loan balance becomes due when the last surviving borrower passes away, vacates the home permanently, or sells the home.<\/p>\n

However, If your current home is unsuitable for aging in place (e.g., two stories, large yard with high maintenance or upkeep), you may also use a\u00a0reverse mortgage to buy a new home<\/a>. That lets you relocate and right-size into more senior active communities for a more enjoyable retirement.<\/p>\n

Maximize Your Social Security Benefits<\/h2>\n

According to\u00a0Social Security Administration data<\/a>, 9 out of 10 elderly individuals receive social security benefits (they\u2019re eligible at 62). Social security benefits represent around one-third of the income made by the elderly nationwide.<\/p>\n

Among social security beneficiaries, 21% of married couples and about 45% of unmarried people rely on these benefits for 90% or more of their income.<\/p>\n

Since so many see social security as their main source of retirement income, they often can\u2019t wait to take out benefits as soon as they reach retirement age. It\u2019s important that you consider your longevity before making social security decisions. If you delay drawing on social security until you\u2019re 70, monthly payments will be 32 percent higher than what you\u2019d have received at your retirement age.<\/p>\n

Have a Retirement Spending Plan<\/h2>\n

Truth be told, you need a guide that will help you track and monitor your spending and live within your means. And that\u2019s exactly what a retirement savings plan does by putting you in control of your money.<\/p>\n

Not having an appropriate spending plan as you save money for retirement can lead to overspending, which can become a threat to your financial well-being. The last thing you want is to run out of money while you still have many more years to live.<\/p>\n

Be Smart About Investing<\/h2>\n

It\u2019s not uncommon for retirees to leave their money lying in the bank due to a fear of investing. The truth is you may be losing money to inflation if you leave it in the bank. While it\u2019s not wise to make risky investments after retirement, you shouldn\u2019t shy away from a little bit of investing. Try investing a portion of your cash in stocks instead of letting it sit in a savings account.<\/p>\n

Work Just a Little Longer to Save Money for Retirement<\/h2>\n

With so many part-time, remote, and freelance job opportunities available, you can take on a new role with more vacation time, flexible working conditions, or less responsibility. You really don\u2019t have to return to any previous roles.<\/p>\n

Find a new role you\u2019re passionate about and keep working. Waiting a few extra years to retire can greatly increase your income, social security benefits, and retirement assets.<\/p>","protected":false},"excerpt":{"rendered":"

A\u00a02018 study by Northwestern Mutual\u00a0found that nearly two-thirds of Americans who have a plan to save money for retirement are certain they\u2019ll outlive their savings. Moreover, one in five Americans (21 percent) have no retirement savings at all, and another 78 percent are concerned about not having enough money saved for the future. Here is […]<\/p>\n","protected":false},"author":1,"featured_media":11480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[711],"tags":[828,826,827],"class_list":["post-11472","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-lifestyle","tag-investment","tag-retirement","tag-retirement-plan"],"yoast_head":"\nHow You Can Save Money for Retirement - John Boitnott<\/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:\/\/readwrite.com\/2020\/12\/30\/how-you-can-save-money-for-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"zh_CN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How You Can Save Money for Retirement - John Boitnott\" \/>\n<meta property=\"og:description\" content=\"A\u00a02018 study by Northwestern Mutual\u00a0found that nearly two-thirds of Americans who have a plan to save money for retirement are certain they\u2019ll outlive their savings. Moreover, one in five Americans (21 percent) have no retirement savings at all, and another 78 percent are concerned about not having enough money saved for the future. 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