Retirement is one of the dreadful phases of life. There comes a time when you can no longer work like you used to. The truth is that you can still have a good life upon retirement if you plan well, but if you don't intend to plan, we can help you enjoy the present.
You don't have to be all that stuck up in your ways. Sometimes, you may need to ditch all this retirement advice and enjoy life while you are living. You may choose to ignore retirement experts all over the place, but I bet you may be ruining your chances of having an enjoyable life after retirement. Here is an ultimate guide to a horrible retirement:
· Neglect the years and lose yourself in the thought that retirement is still far from you. Hey you! Slip on some blinds and ignore the tick of the clock.
· You know you only live once right? Don't save up when you are young, you could play a little catch up when you turn 50.
· Be confident that you can work till you are 75 years or beyond.
· Enjoy today like tomorrow doesn't exist, and you can have your debt outpouring at your retirement.
· Invest in personal stocks and neglect retirement plans offered to you at work. Ignore all retirement plans brought to your desk, only bask in the moment.
· Treat your 401 (k) as if it doesn't exist. There are many other things your cash can bring to you.
· They say change is constant, but take it has unimportant. Have the same investment that you had at age 25 at age 60.
· Keep your entire savings in the tax-favored plan, so that they can be inaccessible when you need them most. Lessen your worries, forget about income taxes and accumulating tax penalties.
· Your survivors can fend for themselves, right? Ignore them. Don't appoint beneficiaries to your 401k or Individual Retirement Account and don't bother with getting life insurance.
· What about that long-term care policy you haven't needed since you bought it? You probably never will need it, just cancel it.
· Be a good employee. How about investing in your employer's stock? Take some heavy investment, it's a good company, init?
· Shun whoever is trying to lecture you on how you can grow your money faster as the years roll on. Don't listen to all those boring talks at all.
· And now, there's a drop in the stock market, be quick to make some bond investment. You shouldn't lose out on both sides.
Oh no! You shouldn't be tensed at all. If this has been your way, then it's not too late to make a turnaround. The good news is that you can start focusing on money right now to get yourself back on track.