Having an active retirement means not only building in time for sports and physical activities but also staying mentally and emotionally engaged. If your goal is to have an active retirement, here are some key things to keep in mind:
Know how you want to divide your time
Do you know how you want to spend your days once you retire? It can help to have a routine or broader plan for your time, whether that means taking up new hobbies, spending more time with family and friends, or traveling.
Staying social can be key to a well-balanced, active retirement. Staying socially active can involve carving out time to catch up with friends and family regularly. If you’re looking to expand your friend circle, consider joining a club or group that meets often, such as a book club or walking group.
Decide how you like to stay physically active
Finding an activity that you enjoy can make it easier to stay active. Some people prefer low-impact activities like walking or yoga, while others enjoy more vigorous activities like hiking or tennis. Joining a team or group can keep you accountable—teams and groups can even double as communities and help you stay social.
Plan for seasonal activities
Getting involved in both warm and cold weather sports or athletic activities can help you stay active throughout the year. Planning for seasonal activities allows you to take advantage of the weather regardless of the time of year. For example, if you love being in the mountains, you might plan to hike in the summer and fall and then switch to skiing when winter arrives.
Find ways to stay positive and motivated
Retirement can be a big change, so finding ways to stay positive and motivated is important. Setting goals for yourself can be a great way to stay engaged—maybe you want to walk twenty miles in one week or read ten books in one month. Group activities, like taking a regular class at the gym or having walking buddies, can also help you feel accountable and stay on track.
Have your finances in order
It can be hard to enjoy your retirement and stay active when you’re worried about your finances. Understanding your finances—knowing all your sources of income and any alternative sources of funding, such as being able to borrow against the cash value of a whole life insurance or universal life insurance policy—can be key to feeling financially secure and having the peace of mind and flexibility to pursue an active retirement.
With a little bit of planning, you can have the active retirement you hoped for. By staying social, knowing how you like to stay active, planning for seasonal activities, and finding ways to stay positive and motivated, you can enjoy retirement to the fullest.
The primary purpose of permanent life insurance is to provide a death benefit. Using permanent life insurance accumulated value to supplement retirement income will reduce the death benefit and may affect other aspects of the policy.
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