Retirement can be spent playing with grandchildren, traveling, or opening a small business. In order to be able to retire healthily, prosperously, and happily, try reading the following tips.
If planned properly, retirement can be a productive and happy period. Plan how you can continue to live a healthy lifestyle with the same or even higher standards than now. In addition to financially, preparation also needs to be done so that you are physically and emotionally ready.
Healthy Financial Condition
People often worry whether they have raised enough funds to retire, especially for medical expenses. Therefore, the preparation of pension funds must already be started once someone starts working. The following are some ways you can do to prepare yourself financially.
Calculate the cost of living at retirement.
How much do you need each month to be able to live comfortably after quitting work? Some people just save without knowing how big their needs are per month. So that it could be when retirement comes, it turns out that his savings are not enough to meet his needs.
Choose to save or invest?
Some companies provide facilities for employees to save pension funds. If not, you can take advantage of a pension fund product from a bank or life insurance.
However, just saving or saving money in the form of deposits makes your funds eroded only inflation. Using 10-20 years long-term investment facilities, such as mutual funds, can make your funds grow. Towards retirement, after investment products that you started years ago have paid off, you can consider alternative investment products with lower risk.
To calculate the shortage of pension funds, you need to calculate your remaining productive age until you reach retirement age. Calculations can be done with a pension fund calculator.
Estimating and planning lifestyles in retirement.
To design a retirement cost budget, you need to imagine how you go about your daily activities when you are not working. The budget does not have to be high. The following are some things that can be done to minimize expenses.
- Eating nutritious food within budget. Healthy food doesn't have to be expensive. Fresh vegetables and fruit are good for consumption more often. Local fruit, which is sold more in season, is usually more affordable than imported fruit. Growing vegetables by yourself can also be a fun and profitable activity.
- Exercise regularly without charge. You don't need to pay a membership fee of hundreds of thousands per month at a fitness center. Walking and cycling with old friends can be an activity that keeps the body fit while motivating each other. You can also join a community or a group of elderly people who routinely do gymnastics every week or every. Some hospitals and Puskesmas sometimes also do gymnastics for the elderly who are open to the public.
- Take advantage of price discounts. Many special discounts for older people are offered by various institutions. For example, discounted prices for traveling by long and medium-range trains or going around the city on a free bus. By utilizing this facility, the elderly can save on living costs.
Prime Physical Health
Besides exercising and moving actively, there are several things that can be done to support the health of the body after retirement.
Have health insurance.
Although the premiums charged may be very large, but if you do not have health insurance, it is never too late to register. You can also access the services of the Health Insurance Administration Agency (BPJS) provided by the government.
Continue to consume drugs / vitamins.
Do not reduce your expenses to buy medicines or supplements to save money or save more. If you are deficient in certain vitamins or minerals and a modified diet does not meet your nutritional needs, buy supplements according to your needs. Consult your doctor if you are in doubt or need more instructions.
Routine health check.
Do not let the disease make you unable to enjoy old age. Detect potential health problems as early as possible. The following are some health tests that your doctor may recommend when you are in your 50s.
- Check body weight. Being overweight carries many diseases. Likewise, the body weight decreased dramatically, can be an indication of dangerous diseases.
- Routinely checking blood pressure. Blood pressure is the most visible indicator of early detection of various chronic diseases such as kidney and heart problems.
- Check cholesterol and blood sugar levels at least once every 3 years, except for those of you who are at risk of having cholesterol or high blood sugar. You might need to do more routine.
- Initial examination to detect cancer potential.
- Thyroid hormone examination. Aging can slow down the work of the glands that produce this metabolic hormone, especially in women over the age of 45 years.
- Digital rectal examination to detect colon cancer and prostate cancer in men. In addition, colonoscopy can also be done to detect colon cancer.
- Special examinations for women: Pap smears and cervical examinations for women, especially under the age of 65 Do not forget to undergo a mammogram and breast examination.
- Check eyes every two years. After age 60, eyes should be examined annually.
- Check that your immunization is complete. It's never too late to get a hepatitis vaccine if you haven't gotten it as a child. Ask your doctor, what immunizations need to be updated.
Get enough rest
The ability to concentrate to stress comes from adequate rest. Retirement is the perfect time to get used to sleeping and waking up at the same time, without haste or having to work overtime.
Avoid bad habits
Smoking causes premature aging and puts you at greater risk of developing various chronic diseases. Likewise with excessive consumption of liquor and caffeinated drinks.
Maintaining physical health can make the elderly live a more comfortable and thrifty life.
Emotional Health
Not just in terms of physical and financial, preparation needs to be done emotionally so that stress does not come after retirement.
Activity plan
For some people, retirement is the long-awaited period because it can be free to move without office routine. But for others, freedom can mean boredom and feel no longer needed. Start planning the activities you want to do later so that retirement is fun, meaningful and productive.
Train the brain
Brain exercise is as important as your physical training. Playing cards, reading, watching football, are activities that can maintain your brain health and sharpness of mind and memory.
Socialize
Joining a religious community can help calm the soul while providing opportunities to gather and discuss with others. Research shows that social relationships are also useful to prevent depression.
Every person has their own dream of retirement. But more important is to realize the purpose and meaning of life.
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