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Prepare for Retirement

Updated on February 23, 2016

Average life expectancy continues to increase, and as the poet Robert Browning wrote, "The best is yet to be". This can be true if you have made some preparations for your golden years. So, just how do you prepare so you can enjoy your retirement?

There are four areas in which you can prepare. They are financial, physical, mental and spiritual.

Temporal and Financial Preparations

As you approach retirement, you should avoid debt and save as much money as possible. Put other temporal affairs in order including preparing legal documents expressing your personal wishes should you become unable to care for yourself. Tie up any financial ends and make decisions should you or your spouse become incapacitated. It is not fun or easy to look at these details, but will be best for you and your family.

My father and mother purchased their own cemetery plots so that their children would not have to. You can even write out what you would like to occur at your funeral. These things will make it easier for those left behind. Share your plans with your children so they know where to find important documents, and will be able to follow through with your wishes.

Physical Preparation

Common sense rules. Get regular medical and dental care, be physically active, eat a healthy diet and maintain a proper weight. If you can't run, walk, If you can't walk, swim. Try to find a physical activity that you can do regularly to keep active. Scientific studies have shown that if you stay physically active and exercise on a regular basis, it can help prevent disease and disability. Even moderate exercise or physical activity can improve your health. Your health will suffer much more from not exercising than by exercising.

Mental Preparation

The brain needs exercise as well. Keep your mind sharp by reading, doing puzzles, or being involved in other mental challenges. Science has shown that we do not lose brain cells as previously thought. Our brains can actually develop new neural pathways well into our later years. Taking dancing lessons or learning a musical instrument can help your brain keep active and growing. Start a blog and have your grandchildren teach you how to play games on the computer.

It is very important to keep a positive attitude. You no doubt will have adversity as you age, but the way you react to it will be a major factor in how happy you are.

Have something to do every day - make plans. If you have something to look forward to, it will really make a difference. Volunteer in your family, community or church to help others as long as you can. You can do family history, take senior classes and keep a garden or be involved in sewing, quilting or art work. Worthwhile activities can enrich your senior years and also bless the lives of others.

Being willing and able to change plans when necessary is important also. Sometimes health problems arise that restrict you from doing what you have always enjoyed doing. You can turn to other interests when this happens or you may become bitter and unhappy.

Spiritual Preparation

Your beliefs become more valuable as you reach your golden years. If you believe in God, you will most likely want to make peace with Him, and reconcile differences with friends, family and enemies. These later years can be spent immersing yourself in the scriptures and sharing your feelings with others. They can learn from your experiences. Keep a journal, write your feelings and leave a legacy of love for your posterity.


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  • elayne001 profile image

    Elayne 7 years ago from Rocky Mountains

    Thank you triosol. I appreciate your comments.

  • triosol profile image

    triosol 7 years ago

    Terrific Hub. I am loving it. :)

  • elayne001 profile image

    Elayne 7 years ago from Rocky Mountains

    Glad you like it Hello, hello. We can always use a little beauty advice, right?

  • Hello, hello, profile image

    Hello, hello, 7 years ago from London, UK

    A well written hub with lots of good advice.

  • elayne001 profile image

    Elayne 7 years ago from Rocky Mountains

    Thanks HealthyHanna - Glad you think so - so do I. We are getting really close to retirement, so it is on my mind quite often.

    @2besure - You are so right - Hopefully we will live long enough to enjoy retirement. Aloha.

  • 2besure profile image

    Pamela Lipscomb 7 years ago from Charlotte, North Carolina

    Good points, preparing for retirement is not just financial, but many faceted.

  • HealthyHanna profile image

    HealthyHanna 7 years ago from Utah

    Good hub. Good food for thought. Smart to thinking ahead.

  • elayne001 profile image

    Elayne 7 years ago from Rocky Mountains

    Thanks joaniemb - good points - sometimes easier said than done. Now that I am getting older, it takes more to get me up and exercising. I do garden and that gives me some bending and stretching, but I need to get better about exercising all of my muscles. The financial situation for retirement is much trickier, but with planning, can be achieved.

    You made a great point Mentalist acer. If we do not have a good relationship with our family, we are sure to be forgotten in some senior home. I am glad I have great kids that are already planning to help take care of me when I am no longer able to.

    You are right LianaK - never too young to start preparing for retirement. I have learned for myself, since if you wait until only five years before you retire to start saving, you will not have enough to live on.

    Thanks Wife Who Saves - A funeral is tough enough without the worries of how to pay for it. Thanks for your comments.

  • profile image

    Wife Who Saves 7 years ago

    Good advice all around, especially buying cemetery plots. The heirs do not have immediate access to the funds of the deceased and may not have the financial means to pay for a funeral.

  • LianaK profile image

    LianaK 7 years ago

    A much needed topic in our day and age. Great hub and great information. We are never too young to start preparing.

  • Mentalist acer profile image

    Mentalist acer 7 years ago from A Voice in your Mind!

    Being in peace with your family is so important when it come to who you can really depend on in your senior years.:)An insightful hub elayne;)

  • breakfastpop profile image

    breakfastpop 7 years ago

    Terrific advice!

  • joaniemb profile image

    joaniemb 7 years ago from New York

    Great advice. Thanks for sharing. Staying active is so important to you and your health. Financial planning is also important because I am sure your income will become lower so you really want to clear all unnecessary debt. great points.

  • elayne001 profile image

    Elayne 7 years ago from Rocky Mountains

    Thank you mioluna. Hope it is useful to you also, although I imagine you are still young - at least from your avatar. I read your profile and I also love taking photographs and also painting.

  • profile image

    mioluna 7 years ago

    Elayne001 enjoyed your hub!!!