<p>離退休越近，你可能對這個里程碑越感到興奮。但同時，你也可能會感到越來越焦慮。這兩種情緒同時出現是完全正常的。</p>
<p>如果你即將退休，有幾個關鍵的財務舉措是很重要的。首先，評估你的儲蓄。但這不僅僅意味着查看你在 IRA 或 401(k) 計劃中的資金有多少。</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>圖片來源：Getty Images。</p>
<p>相反，你應該弄清楚你能接受的提款率，並根據你在退休賬户中的資金計算出每年或每月的收入。你可以選擇著名的 4% 規則，或者其他適合你的提款率。</p>
<p>在退休之前，另一個關鍵的事情是弄清楚你何時申請社會保障，以及根據你的申請年齡每月支票的金額。請記住，直到你達到完全退休年齡（如果你在 1959 年後出生，則為 67 歲），你才會獲得完整的每月福利，而不會有減少。</p>
<p>一旦你對每月或每年的退休收入有了概念，你需要匯總你的支出，並確保這些數字相符。計算你的住房成本、交通、醫療費用（如醫療保險保費）等，以瞭解你預計的支出，同時考慮到一次性支出，如房屋維修和旅行。</p>
<p>經過這些練習後，你希望在財務方面能夠更自信地開始退休。但有一個非財務的練習你不能忽視。</p>
<h2>想想退休後的典型一天會是什麼樣子</h2>
<p>你可能會發現很難想象退休生活，直到你真正離開工作。如果你工作時間很長，日程安排很忙，你可能期待一種更悠閒的生活節奏。</p>
<p>然而，一些退休人員在沒有工作的情況下很快就會感到無聊。而無聊很容易演變成更嚴重的心理健康問題。</p>
<p>這就是為什麼在你真正辭去工作之前，想象一下退休後的典型一天是很重要的。你早上幾點起牀？你什麼時候吃飯？在這之間你到底要做什麼？瞭解你的日常生活可能是什麼樣子是很重要的，這樣你才能看看自己是否對此感到滿意。</p>
<p>更好的是，如果你能夠請假，花一週的時間實際體驗你預期的退休日常。這可以讓你瞭解自己是否會對這種不太結構化且可能非常開放的日程感到滿意，或者是否會很快感到無聊。</p>
<p>如果你開始意識到在退休後沒有足夠的事情可做，你那時會有兩個選擇。你可以選擇延長職業生涯，直到你弄清楚，或者在你發現自己有太多時間需要填補之前，開始尋找其他事情來做。</p>
<p>當然，工作更久可能並不是最佳選擇。但假設你經歷了預期的退休日常，發現自己需要更多的活動才能感到滿意。多工作一年可以讓你多存一些錢，為你提供更多的財務靈活性，以支付更多的娛樂費用。</p>
<p>如果錢並不是問題，但你不確定在退休後是否會有足夠的事情可做，你可以開始研究你所在地區的志願組織、成人教育課程和社區項目。這些活動的組合可能足以填補你日程中的空白。</p>
<h2>確保你做好充分準備</h2>
<p>大多數人知道在退休之前要做某些財務舉措。但確保你對新的日常生活感到滿意也是很重要的。瞭解這一點的唯一方法就是仔細思考你的日常生活在實踐中會是什麼樣子。</p>

科凱國際

<p>隨着退休的臨近，評估你的財務狀況，包括儲蓄和提款率，以及規劃社會保障福利至關重要。此外，設想退休後的典型一天可以幫助避免無聊和心理健康問題。考慮你的日常生活和活動，以確保在退休後感到滿意。如果有必要，可以延長職業生涯或探索新的活動來填充你的時間。財務和心理上的準備是實現充實退休生活的關鍵</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>離退休越近，你可能對這個里程碑越感到興奮。但同時，你也可能會感到越來越焦慮。這兩種情緒同時出現是完全正常的。</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>如果你即將退休，有幾個關鍵的財務舉措是很重要的。首先，評估你的儲蓄。但這不僅僅意味着查看你在 IRA 或 401(k) 計劃中的資金有多少。</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>圖片來源：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，你應該弄清楚你能接受的提款率，並根據你在退休賬户中的資金計算出每年或每月的收入。你可以選擇著名的 4% 規則，或者其他適合你的提款率。</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，另一個關鍵的事情是弄清楚你何時申請社會保障，以及根據你的申請年齡每月支票的金額。請記住，直到你達到完全退休年齡（如果你在 1959 年後出生，則為 67 歲），你才會獲得完整的每月福利，而不會有減少。</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>一旦你對每月或每年的退休收入有了概念，你需要匯總你的支出，並確保這些數字相符。計算你的住房成本、交通、醫療費用（如醫療保險保費）等，以瞭解你預計的支出，同時考慮到一次性支出，如房屋維修和旅行。</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>經過這些練習後，你希望在財務方面能夠更自信地開始退休。但有一個非財務的練習你不能忽視。</p>
</div><h2>Think about what a typical day in retirement might look like</h2>
<div class="lb-trans"><h2>想想退休後的典型一天會是什麼樣子</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>你可能會發現很難想象退休生活，直到你真正離開工作。如果你工作時間很長，日程安排很忙，你可能期待一種更悠閒的生活節奏。</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，一些退休人員在沒有工作的情況下很快就會感到無聊。而無聊很容易演變成更嚴重的心理健康問題。</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>這就是為什麼在你真正辭去工作之前，想象一下退休後的典型一天是很重要的。你早上幾點起牀？你什麼時候吃飯？在這之間你到底要做什麼？瞭解你的日常生活可能是什麼樣子是很重要的，這樣你才能看看自己是否對此感到滿意。</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，如果你能夠請假，花一週的時間實際體驗你預期的退休日常。這可以讓你瞭解自己是否會對這種不太結構化且可能非常開放的日程感到滿意，或者是否會很快感到無聊。</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>如果你開始意識到在退休後沒有足夠的事情可做，你那時會有兩個選擇。你可以選擇延長職業生涯，直到你弄清楚，或者在你發現自己有太多時間需要填補之前，開始尋找其他事情來做。</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>當然，工作更久可能並不是最佳選擇。但假設你經歷了預期的退休日常，發現自己需要更多的活動才能感到滿意。多工作一年可以讓你多存一些錢，為你提供更多的財務靈活性，以支付更多的娛樂費用。</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>如果錢並不是問題，但你不確定在退休後是否會有足夠的事情可做，你可以開始研究你所在地區的志願組織、成人教育課程和社區項目。這些活動的組合可能足以填補你日程中的空白。</p>
</div><h2>Make sure you're fully prepared</h2>
<div class="lb-trans"><h2>確保你做好充分準備</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>大多數人知道在退休之前要做某些財務舉措。但確保你對新的日常生活感到滿意也是很重要的。瞭解這一點的唯一方法就是仔細思考你的日常生活在實踐中會是什麼樣子。</p>
</div>

每位即將退休的人都需要經歷的一項鍛鍊