<p>离退休越近，你可能对这个里程碑越感到兴奋。但同时，你也可能会感到越来越焦虑。这两种情绪同时出现是完全正常的。</p>
<p>如果你即将退休，有几个关键的财务举措是很重要的。首先，评估你的储蓄。但这不仅仅意味着查看你在 IRA 或 401(k) 计划中的资金有多少。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzYyMjMvc2VuaW9yLWNvdXBsZS1rYXlhay1nZXR0eWltYWdlcy0xNDUyNzc2MzQwLmpwZyZ3PTcwMA?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzYyMjMvc2VuaW9yLWNvdXBsZS1rYXlhay1nZXR0eWltYWdlcy0xNDUyNzc2MzQwLmpwZyZ3PTcwMA"/></p>
<p>图片来源：Getty Images。</p>
<p>相反，你应该弄清楚你能接受的提款率，并根据你在退休账户中的资金计算出每年或每月的收入。你可以选择著名的 4% 规则，或者其他适合你的提款率。</p>
<p>在退休之前，另一个关键的事情是弄清楚你何时申请社会保障，以及根据你的申请年龄每月支票的金额。请记住，直到你达到完全退休年龄（如果你在 1959 年后出生，则为 67 岁），你才会获得完整的每月福利，而不会有减少。</p>
<p>一旦你对每月或每年的退休收入有了概念，你需要汇总你的支出，并确保这些数字相符。计算你的住房成本、交通、医疗费用（如医疗保险保费）等，以了解你预计的支出，同时考虑到一次性支出，如房屋维修和旅行。</p>
<p>经过这些练习后，你希望在财务方面能够更自信地开始退休。但有一个非财务的练习你不能忽视。</p>
<h2>想想退休后的典型一天会是什么样子</h2>
<p>你可能会发现很难想象退休生活，直到你真正离开工作。如果你工作时间很长，日程安排很忙，你可能期待一种更悠闲的生活节奏。</p>
<p>然而，一些退休人员在没有工作的情况下很快就会感到无聊。而无聊很容易演变成更严重的心理健康问题。</p>
<p>这就是为什么在你真正辞去工作之前，想象一下退休后的典型一天是很重要的。你早上几点起床？你什么时候吃饭？在这之间你到底要做什么？了解你的日常生活可能是什么样子是很重要的，这样你才能看看自己是否对此感到满意。</p>
<p>更好的是，如果你能够请假，花一周的时间实际体验你预期的退休日常。这可以让你了解自己是否会对这种不太结构化且可能非常开放的日程感到满意，或者是否会很快感到无聊。</p>
<p>如果你开始意识到在退休后没有足够的事情可做，你那时会有两个选择。你可以选择延长职业生涯，直到你弄清楚，或者在你发现自己有太多时间需要填补之前，开始寻找其他事情来做。</p>
<p>当然，工作更久可能并不是最佳选择。但假设你经历了预期的退休日常，发现自己需要更多的活动才能感到满意。多工作一年可以让你多存一些钱，为你提供更多的财务灵活性，以支付更多的娱乐费用。</p>
<p>如果钱并不是问题，但你不确定在退休后是否会有足够的事情可做，你可以开始研究你所在地区的志愿组织、成人教育课程和社区项目。这些活动的组合可能足以填补你日程中的空白。</p>
<h2>确保你做好充分准备</h2>
<p>大多数人知道在退休之前要做某些财务举措。但确保你对新的日常生活感到满意也是很重要的。了解这一点的唯一方法就是仔细思考你的日常生活在实践中会是什么样子。</p>

科凯国际

<p>随着退休的临近，评估你的财务状况，包括储蓄和提款率，以及规划社会保障福利至关重要。此外，设想退休后的典型一天可以帮助避免无聊和心理健康问题。考虑你的日常生活和活动，以确保在退休后感到满意。如果有必要，可以延长职业生涯或探索新的活动来填充你的时间。财务和心理上的准备是实现充实退休生活的关键</p>

<p>The closer you get to retirement, the more excited about that milestone you might become. But also, you may find yourself growing increasingly anxious. And it's perfectly normal to experience both emotions at the same time.</p>
<div class="lb-trans"><p>离退休越近，你可能对这个里程碑越感到兴奋。但同时，你也可能会感到越来越焦虑。这两种情绪同时出现是完全正常的。</p>
</div><p>There are a few key financial moves it's important to make if you're nearing retirement. First, assess your savings. But that doesn't just mean see how much money you have in your IRA or 401(k) plan.</p>
<div class="lb-trans"><p>如果你即将退休，有几个关键的财务举措是很重要的。首先，评估你的储蓄。但这不仅仅意味着查看你在 IRA 或 401(k) 计划中的资金有多少。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzYyMjMvc2VuaW9yLWNvdXBsZS1rYXlhay1nZXR0eWltYWdlcy0xNDUyNzc2MzQwLmpwZyZ3PTcwMA" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F836223%2Fsenior-couple-kayak-gettyimages-1452776340.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><p>Rather, you should figure out what withdrawal rate you're comfortable with and see what annual or monthly income that gives you based on how much money you have in your retirement account. You may decide to use the famous 4% rule, or another withdrawal rate that works for you.</p>
<div class="lb-trans"><p>相反，你应该弄清楚你能接受的提款率，并根据你在退休账户中的资金计算出每年或每月的收入。你可以选择著名的 4% 规则，或者其他适合你的提款率。</p>
</div><p>Another key thing to do ahead of retirement is figure out when you'll claim Social Security, and how much your monthly checks will amount to based on your filing age. Keep in mind that you won't get your complete monthly benefit without a reduction until you reach full retirement age, which is 67 if you were born in any year after 1959.</p>
<div class="lb-trans"><p>在退休之前，另一个关键的事情是弄清楚你何时申请社会保障，以及根据你的申请年龄每月支票的金额。请记住，直到你达到完全退休年龄（如果你在 1959 年后出生，则为 67 岁），你才会获得完整的每月福利，而不会有减少。</p>
</div><p>Once you have a sense of your monthly or annual retirement income, you'll need to total up your expenses and make sure the numbers align. Add up your housing costs, transportation, healthcare expenses like Medicare premiums, and more to figure out what you expect to spend while factoring in one-off expenses like home repairs and trips.</p>
<div class="lb-trans"><p>一旦你对每月或每年的退休收入有了概念，你需要汇总你的支出，并确保这些数字相符。计算你的住房成本、交通、医疗费用（如医疗保险保费）等，以了解你预计的支出，同时考虑到一次性支出，如房屋维修和旅行。</p>
</div><p>After going through these exercises, you'll hopefully feel more confident kicking off your retirement from a financial standpoint. But there's one non-financial exercise you can't overlook.</p>
<div class="lb-trans"><p>经过这些练习后，你希望在财务方面能够更自信地开始退休。但有一个非财务的练习你不能忽视。</p>
</div><h2>Think about what a typical day in retirement might look like</h2>
<div class="lb-trans"><h2>想想退休后的典型一天会是什么样子</h2>
</div><p>You may find it hard to envision retirement until you actually leave your job for good. And if you work a lot of hours and have a busy schedule, you may be looking forward to a slower pace of life.</p>
<div class="lb-trans"><p>你可能会发现很难想象退休生活，直到你真正离开工作。如果你工作时间很长，日程安排很忙，你可能期待一种更悠闲的生活节奏。</p>
</div><p>Some retirees, however, end up getting bored pretty easily in the absence of having a job. And boredom could easily morph into more serious mental health concerns.</p>
<div class="lb-trans"><p>然而，一些退休人员在没有工作的情况下很快就会感到无聊。而无聊很容易演变成更严重的心理健康问题。</p>
</div><p>That's why it's important to picture a typical day in retirement before you actually resign from your job for good. What time will you rise in the morning? When will you eat your meals? And what exactly are you going to do in between? It's important to have a sense of how your routine might look so you can see if you're happy with it.</p>
<div class="lb-trans"><p>这就是为什么在你真正辞去工作之前，想象一下退休后的典型一天是很重要的。你早上几点起床？你什么时候吃饭？在这之间你到底要做什么？了解你的日常生活可能是什么样子是很重要的，这样你才能看看自己是否对此感到满意。</p>
</div><p>Better yet, if you're able to take some time off from work, spend a week actually living your expected retirement routine. That could give you an idea as to whether you'll be happy with a less structured and possibly very open schedule, or whether you're likely to get bored pretty quickly.</p>
<div class="lb-trans"><p>更好的是，如果你能够请假，花一周的时间实际体验你预期的退休日常。这可以让你了解自己是否会对这种不太结构化且可能非常开放的日程感到满意，或者是否会很快感到无聊。</p>
</div><p>If you start to realize that you won't have enough to do in retirement, you'll have two choices at that point. You can either extend your career until you figure it out, or start looking into other things to do with your days before you find yourself with too many hours to fill.</p>
<div class="lb-trans"><p>如果你开始意识到在退休后没有足够的事情可做，你那时会有两个选择。你可以选择延长职业生涯，直到你弄清楚，或者在你发现自己有太多时间需要填补之前，开始寻找其他事情来做。</p>
</div><p>Of course, working longer may not be optimal. But say you run through your anticipated retirement routine and find that you need more activities to be satisfied with it. Working an extra year could put more savings in your pocket, giving you the financial leeway to pay for more entertainment.</p>
<div class="lb-trans"><p>当然，工作更久可能并不是最佳选择。但假设你经历了预期的退休日常，发现自己需要更多的活动才能感到满意。多工作一年可以让你多存一些钱，为你提供更多的财务灵活性，以支付更多的娱乐费用。</p>
</div><p>And if money isn't a concern per se but you're not sure you'll have enough to do in retirement, you can start researching options like volunteer organizations in your area, adult education classes, and community programs. A combination of these activities may be enough to fill those gaps in your schedule.</p>
<div class="lb-trans"><p>如果钱并不是问题，但你不确定在退休后是否会有足够的事情可做，你可以开始研究你所在地区的志愿组织、成人教育课程和社区项目。这些活动的组合可能足以填补你日程中的空白。</p>
</div><h2>Make sure you're fully prepared</h2>
<div class="lb-trans"><h2>确保你做好充分准备</h2>
</div><p>Most people know to make certain financial moves ahead of retirement. But it's also important to make sure you'll be content with your new routine. And the only way to get a sense of that is to actually think carefully about what your days will look like in practice.</p>
<div class="lb-trans"><p>大多数人知道在退休之前要做某些财务举措。但确保你对新的日常生活感到满意也是很重要的。了解这一点的唯一方法就是仔细思考你的日常生活在实践中会是什么样子。</p>
</div>

每位即将退休的人都需要经历的一项锻炼