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Tres Estrategias Para Una Jubilación Larga

Three Strategies For a Long Retirement Life

Thanks to healthy lifestyle and medical changes, your chances of living to age 90 and having a better quality of life in retirement are increasing every year. While your retirement life is likely to last longer, it prompts a crucial question: Will you have enough money to cover your changing needs as long as you live? (MSN Money)

Here are three strategies to help you enjoy a long, fiscally healthy retirement.

1.      Change your spending behaviors today to make sure the dollars will be there for you tomorrow.

Reduce or eliminate high-interest debt such as credit-card debt. Look for satisfying, affordable vacations nearby. Research ways to reduce your housing costs.

2.      Plan for a high-inflation future-just in case.

Inflation is the rate at which the general level of prices for goods and services is rising, and, subsequently, purchasing power is falling. Inflation can devastate your fixed income, any type of investment under which the borrower/issuer is obliged to make payments of a fixed amount on a fixed schedule over the course of your retirement years. Be ready for at least 3% or 4% inflation. Create a few back up plans for even higher inflation. Visit your credit union to learn what options they might have to help you.

3.      Create more income.

Consider part-time work or dive in and start your own small business. Added benefit: Research shows that staying engaged prolongs life.

If you're a woman, you face a two-pronged risk: If you're single, you'll probably live longer than a man your age, and on less money. If you're married, you can't count on two Social Security payments for your full lifespan; plan for several years of widowhood.

Published 8-19-2013

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