退休年龄便是其中一个里程碑。 这是衡量你应该存多长时间才能达到你的财务目标的一个尺度。 然而,随着经济形势如此糟糕,越来越多的美国人不得不推迟他们的里程碑,现在也许应该放弃这一措施,完全改变我们的观点。

什么是潮流?

退休年龄这个词已经流传了几个世纪,但现在是退休的时候了。 退休年龄最初定为65岁,但随着时间的推移,逐渐增加到67岁。 今天,很多人退休的时间甚至比10、20年前要早得多。 事实上,根据雇员福利研究所(Ebri)的研究,差不多一半的工人会在65岁生日前退休。

人们提前退休的原因有很多。 首先,退休后的可用资金比以往任何时候都多。 此外,许多人不必再为还债或养家糊口而烦恼。 最后,科技使人们退休后更容易保持忙碌。

然而,提前退休也有一些缺点。 首先,退休人员可能没有足够的积蓄来全职养活自己。 此外,如果退休人员决定晚些时候重返工作岗位,他们可能会发现由于关节炎或其他健康问题而不能这样做。

赞成与反对

在任何年龄退休都有利有弊。 以下是一些好处:

另见提前退休:并非明智的选择

更多享受生活的时间: 退休时间越早,你就越需要投入到你的爱好、旅行和其他你喜欢的活动上。

减轻压力: 退休可以腾出时间和精力去做一些让你快乐的事情。 另外,压力小可以带来更好的健康。

减少财务上的忧虑: 如果你年轻退休,你可以利用你储蓄的利息复利或使用像IRA扣除那样的税收减免。 如果你晚年退休,你的社会保障福利将提供大量的收入来源。

独立: 大多数人退休后都希望有一定程度的独立性。 提前退休可以让你更快地实现那个目标。

另一方面,在任何年龄退休也有一些不利因素:

收入损失: 除非你的退休计划包括雇主匹配(这意味着公司支付你固定比例的缴款),否则退休意味着收入的减少。 如果你55岁以前退休,情况尤其如此,因为随着你的收入低于社会保险退休福利水平,你的福利也会下降。

费用增加: 当你停止工作时,税收通常会自动增加,因为工资不再支持这些支付。 如果你所有的收入都来自应税收入,比如工资或退休金,那么你的收入就会增长很快。 你亦可能需要

怎样在某个年龄退休

到一定年龄退休不再是白日梦。 有了正确的计划, 你可以在任何年龄舒适地退休. 以下是到一定年龄退休的五个步骤:

参见:成功退休的四大障碍

确定你的经济需要
退休的第一步是了解你的经济需要。 你需要月收入,还是只专注于为退休而储蓄? 一旦你了解了你的需要,是时候开始储蓄了。

制定退休计划
一旦你了解了你的经济需要,是时候制定一个退休计划了。 该计划应包括你的储蓄和社会保障福利。 此外,你亦可考虑其他收入来源,例如私人退休金或年金。

检讨你的健康保险选择
健康保险可以成为退休计划的重要组成部分,所以仔细考虑你的选择是很重要的。 如果你被医疗保险、医疗补助或其他政府计划所覆盖,请确保你了解可用的保险范围以及与每个选择相关的费用。 如果你有私人健康保险,确保它能够支付你退休后的医疗费用——许多计划没有为昂贵的医疗程序或长期护理费用提供足够的保险。

社会如何看待晚年退休的人?

虽然对于退休年龄没有正确的答案,但大部分专家一致认为65岁是新的退休年龄。 因为研究表明,随着人们寿命的延长,达到那个年龄的退休者正在增加。

那么,社会如何看待那些晚年退休的人呢? 在大部分情况下,退休人员被视为成功和独立的成年人。 人们通常认为他们不用工作就能照顾自己,享受生活。 虽然有些人可能认为他们有点太老了,不能重新开始工作,但大多数人赞成那些晚退休的人。

另见2017年最佳黑色星期五交易: 星期一网上交易哪里有最好

简而言之,社会普遍接纳年长的退休人士为社会的合法成员。 有充分的理由: 他们竭尽所能确保舒适的退休生活。

四. 结论

年龄只是一个数字,如果你感觉健康快乐,那么是时候退休了! 年龄并不是影响你保持活跃的唯一因素——你的健康状况也起着重要的作用。 例如,患有关节炎或其他慢性疾病的人可能无法与没有这些条件的人进行相同水平的体育活动。 如果你正在考虑退休,一定要先咨询你的医生,这样他们就能指导你制定一个合适的行动计划。 最重要的是——享受每一天!

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https://www.marketwatch.com/press-release/this-pizza-conveyor-oven-research-report-provides-detailed-segmentation-of-this-market-based-on-material-application-end-use-and-region-2022-11-17

https://www.marketwatch.com/press-release/oil-gas-subsea-umbilicals-market-report-by-type-service-provider—size-share-analysis-and-growth-forecast-to-2028-2022-11-17

https://www.marketwatch.com/press-release/this-report-on-commercial-aircraft-autopilot-system-market-shows-how-technological-developments-are-shaping-up-this-market-2022-11-17

https://www.marketwatch.com/press-release/the-ptz-camera-market-research-report-aids-in-forecasting-the-accurate-market-growth-2022-11-17

https://www.marketwatch.com/press-release/the-snow-sweeper-truck-marketsize-includes-details-of-its-size-products-and-geographic-scope-2022-11-17

https://www.marketwatch.com/press-release/the-plastic-filler-masterbatch-market-research-report-includes-information-about-emerging-industry-trends-general-financial-statistics-2022-11-17

https://www.marketwatch.com/press-release/this-airplane-carbon-brake-disc-market-report-uncovers-new-markets-and-industries-to-target-2022-11-17

https://www.marketwatch.com/press-release/this-electrolytic-nickel-research-report-provides-detailed-segmentation-of-this-market-based-on-material-application-end-use-and-region-2022-11-17

https://www.marketwatch.com/press-release/this-report-on-theanine-market-covers-main-driver-for-the-overall-market-from-2022-to-2028-2022-11-17

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