>
英语报刊期刊荟萃 英语报刊期刊荟萃 9626阅读达人

Your money, not your age, signals when it's time to retire

豆瓣ing 2010-07-22
By Michelle Singletary
Sunday, July 18, 2010


My husband and I are hoping to retire -- or at least reduce our work schedules -- when our youngest child, who is now 9, graduates from college.

We decided to wait until that benchmark is met to make sure we're still in our peak earning years to pay for all the children's education without incurring debt. Before we retire, we also want to have enough saved to replace a certain percentage of our pre-retirement salaries.

Most importantly, we decided not to take a mortgage into retirement the way some people take overstuffed luggage on a long vacation. We want to be rid of that financial baggage as we coast into our sunset years.

That's our plan.

So, let me ask you, what benchmarks are you using to determine whether you can live comfortably in retirement?

I ask because I've run into far too many folks whose only benchmark is their age. They have no plan, no checklists.

"I'm out of here at 55," one woman told me.

"Can you afford to retire at 55?" ...
By Michelle Singletary
Sunday, July 18, 2010


My husband and I are hoping to retire -- or at least reduce our work schedules -- when our youngest child, who is now 9, graduates from college.

We decided to wait until that benchmark is met to make sure we're still in our peak earning years to pay for all the children's education without incurring debt. Before we retire, we also want to have enough saved to replace a certain percentage of our pre-retirement salaries.

Most importantly, we decided not to take a mortgage into retirement the way some people take overstuffed luggage on a long vacation. We want to be rid of that financial baggage as we coast into our sunset years.

That's our plan.

So, let me ask you, what benchmarks are you using to determine whether you can live comfortably in retirement?

I ask because I've run into far too many folks whose only benchmark is their age. They have no plan, no checklists.

"I'm out of here at 55," one woman told me.

"Can you afford to retire at 55?" I asked.

She didn't know.

"When you are in retirement and you're on a fixed income and that fixed income is all you have forever, you better have a plan," says Darsi Ringer, vice president and financial consultant for Charles Schwab.

Ringer advocates considering the following to determine whether you are ready to retire:

-- Will your mortgage be paid off?


==================
此文本组版权所有
如需使用,请注明出处
==================
0
显示全文

查看更多有趣的豆瓣小组

回应

还没人回应,我来添加

英语报刊期刊荟萃的热门贴

推荐小组

值得一读

    豆瓣
    我们的精神角落
    免费下载 iOS / Android 版客户端