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Home » 6 Simple Truths About Retirement

6 Simple Truths About Retirement

Allan LiwanagbyAllan Liwanag
August 5, 2017
in How To Invest
29

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6 Simple Truths About Retirement
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This “6 Simple Truths About Retirement ” describes some of the misconceptions when people retire or that people need to be aware of before retiring. Thanks to Rosland Capital for providing the infographics for this post. This post contains affiliate links/ads. See disclosure policy. 

Many people retire early or late and for different reasons. Some retire because they have already made sufficient amount of money to last them during their retirement. Some retire because of disability. The truth is, there are a ton of reasons that people retire early or late in life.

Personally, my wife and I like to retire early so we can travel the world and be with our family and friends more often. We also want to retire early because I won’t find the need to worry about the 9-5 job I have. Don’t get me wrong, I love my job but I don’t intend on working for forever.

Planning for retirement is no easy task. If it were, then, a lot of people would be retired by now. It doesn’t mean that you shouldn’t figure out what you need to do in order to retire comfortably. Planning may be hard but I believe that it’s doable and it’s all worth it.

Retirement planning can be confusing. Oh yes, there are times that I get confused with retirement planning, options, and strategies that I just stop and step back and wait a couple of days later to get back on track. I have been planning my wife and my retirement for a couple of years now. Even though we are still young, we still think that there’s no better time to plan than now.

As I go through this planning, I realized that there are simple truths about retirement (planning), something that may or may not be obvious to a lot of people.

Simple Truths About Retirement

Here are the simple truths about retirement.

1. No magic number

I hear a lot of people saying that they need a million dollars or somewhere around that ballpark to live comfortably during retirement. For me, there really isn’t a magic number. There are numerous factors that can play into how much you need during retirement.

You don’t know if you are going to be healthy by the time you retire. You don’t know what repairs and maintenance you need to do in your house in due time. You may not know exactly where you are going to retire and so, the cost of living may be different than what you anticipate or will anticipate.

This doesn’t mean that you should stop saving. That’s a big no no. A plan or a step towards retirement, even a small one, can or will make a big impact later on. Just because you don’t know how much you need does it mean that you need to stop saving.

Tip: Save and invest as much as you can. In general, you are better off having more money in retirement. I’m not saying that you should save and invest tremendously that you forget to have a good and happy life today. That’s not what I mean. Remember balance is key, that is, balance among saving, investing, and having fun.

2. People return to workforce

Believe it or not, some people go back to workforce after retirement. The reasons may be good or not. Some go back to working because they have already consumed their retirement money and need to pay their bills. Yes, bills don’t retire just because you retire.

Some people return to the workforce because they feel retirement isn’t for them. They feel as though retirement makes them sluggish and unable to be productive in their lives. I have known a few people who returned to working just because of those feelings.

Tip: It’s best to retire with few to no financial obligations (e.g. debt and mortgage). These financial obligations can or will eat up a big chunk of your retirement money.  Remember that when more money is coming out of than coming in, there is a possibility that you may exhaust your retirement money in time.


6 simple truths about retirement3. The earlier, the better

It’s all about compounding interest. The earlier you save, the greater or better chance you’ll have more money in the future.

Compounding is probably one of the best discoveries of our time. In a nutshell, compounding interest is simply interest earned on interest. In much simpler terms, it is the interest calculated on the principal amount and any interests accrued for prior periods of deposits.

It means the early you invest, the greater or better chance your investment will grow. For example, if you are 20 years of age and invest $1,000 initially and subsequently $100/month for 30 years at 8.00%, then, you could have $146,002.51 30 years from now. If, however, you delay investing and start when you turn 30, initially invest $1,000, and subsequently invest $200/month for 20 years at 8.00%, then, you could have $114,490 according to investor.gov. Ten years can make a big difference as you can see in the given example.

Tip: Time flies fast. The next thing you know you are near retirement. If you have disposable money parked in the bank, you may consider investing it because you may grow your money (or loss money) through investment. But remember, inflation will rise faster than the bank’s interest rates, which means that your money will be worth less in the future.

4. Options, options, and options

When it comes to investment or retirement options, there sure are plenty out there. If somebody tells you that you are limited to just a few options, turn your back and walk away.

There are a ton of investment/retirements options that you can choose from. Some of these options include, but are not limited to, the following:

  • Roth and Traditional IRAs
  • Real Estate
  • Defined Contribution Plans (e.g. 403b and 401k)
  • Pensions
  • Simplified Employee Pension (SEP) Plans (e.g. SEP IRA) <— if you are self-employed
  • Social Security
  • Precious metals

Again, these are just a few of the many options available to you or that you may be eligible to avail.

Tip: When it comes to investing, the first and best thing you can always do is to educate yourself. Avoid investing in something that you have no idea about. If you did just that, you are throwing darts everywhere in the hopes that you hit a bulls-eye.


PERSONAL CAPITAL – Looking for financial tools to see all your wealth and investments? Try Personal Capital6 Simple Truths About Retirement 1 for FREE. It is a free service that allows you to sync all your financial accounts into one location. Does it get better than that? Absolutely, yes. Personal Capital6 Simple Truths About Retirement 1 features budgeting, 401(k) analyzer, display of upcoming bills, asset allocation target, and many more.


5. Medicare won’t cover everything

The usual age for eligibility for Medicare is 65 but there are exceptions to this. If you are retired and rely on Medicare, you will soon realize that, sadly, it is not your solution for all of your medical care bills.

Although Medicare covers a big amount of the medical treatments that elders need, there are certain services that it doesn’t cover. While many preventive care services are covered under Medicare, procedures or tests considered to be diagnostic may not be covered and copays, coinsurance, and/or deductible may apply.

Some of the services that Medicare won’t cover are eye exams (routing), hearing aids, just to name a few.

Of course, health insurance premiums for the elders are exorbitantly high. Retirees who need medical care may or will need to purchase better insurance with better coverage but this comes with a hefty premium price tag.

Tip: Some employers allow their employees to retire and bring with them the same health insurance coverage. In addition, these employers may or will pay the portion that they are currently paying now while you pay the rest. Remember, medical needs can cost you a fortune. If ever find a company that allows you to retire and retain the insurance coverage, think about working for that company.

6. Company matches

Company matches are free money. You can also consider it as a salary raise that you aren’t getting benefited now.

I’ve seen or heard a lot of young folks who are not contributing a certain amount to get the maximum company matches. There are many reasons that they fail to contribute as much as they should to get the max company matches. One of many valid reasons is that young people don’t make as much and making contribution may not be their top priority at the moment.

Of course, it’s not just about young people. A lot of veteran workers aren’t also contributing as much as they should. Again, they may have valid or not-so-valid reasons for doing just that.

Tip: Company matches are free retirement money. If you find it difficult to meet the maximum suggested contribution to get the maximum match, contribute as much as you can. If you can sacrifice a few things so you can free up some money, consider doing it. If you really want to get the maximum matching, you may need to change your lifestyle, spending habits, and become more frugal. For me, I rather sacrifice a little bit now, so I can have a comfortable life in the future.

Conclusion:

Retirement can be overwhelming and daunting as it entails a great deal of preparation and uncertainties. Having said that, there’s no better time to think about retirement than now. There are sources of information that you can leverage for your own advantage. The information you need for your retirement is out there.

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Allan Liwanag

Allan Liwanag

Allan is a recognized personal finance expert, a Level II Certified Cost Estimator, and founder of The Practical Saver. His expertise has been featured in Business Insider, MSN, U.S. News and World Report, Yahoo Finance, NerdWallet, GoBankingRates, AOL Finance, CreditCards.com, HuffPost, Debt.com, Zillow, and Mass Mutual. He was indebted for $40K but paid it all off and saved $70K, at the same time, in 2.5 years under one low income of $39K/year. Now, he enjoys sharing his thoughts and experience on saving money, making money, paying off debt, and budgeting. Read more

Comments 29

  1. Thias @It Pays Dividends says:
    7 years ago

    I agree that there is no magic number for retirement, at least not until you are getting close to retiring. So many things can change throughout your life that can change that number so you need to be flexible with your goal. Great post Allan.

    Reply
    • Allan Liwanag says:
      7 years ago

      Yes, flexibility is key. In line with that flexibility I have to say that you also need to create a plan that you can tweak or change as the need arises.

      Reply
  2. Mrs. PIE says:
    7 years ago

    These are all very important elements of planning, and of course as you say, the most important is to just save! A plan can be refined over time, we can educate ourselves slowly about the best way to invest and withdraw money, how to cover healthcare tec. I think what we have learned is that you don’t need all the answers at once, just getting started saving is the most important. The rest can be refined over time

    Reply
    • Allan Liwanag says:
      7 years ago

      I agree with your statement. A plan can be tweak and can even be changed completely, if needed. The best thing to do is to have a simple plan at first and go from there. A plan even a simple one is better than none at all.

      Reply
      • KP at PassiveFinance says:
        6 years ago

        +1 on having a plan….even if it’s a rough one. Setting goals is one of the biggest things that has helped me.

        Reply
  3. Jaime says:
    7 years ago

    Yes, the earlier you start saving, the better! Compound interest will really work in your favor the earlier you begin.

    Reply
    • Allan Liwanag says:
      7 years ago

      I totally agree with you on that.

      Reply
  4. Latoya @ Life and a Budget says:
    7 years ago

    Great post, Allan! They also have HSA’s at ny job that some with high deductible plans use. The advantage of these is that the money you put in can be invested and used for health care costs in the future and there isn’t a use it or lose it rule. It’s definitely something to consider using ad a way to fight rising health care costs in retirement.

    Reply
    • Allan Liwanag says:
      7 years ago

      You are absolutely correct, Latoya. I’ve had HSA for quite sometime and I believe that it will work for me sooner or later. While I have not been using the money, I know that one day I will and I have more interest there than the principal.

      Reply
  5. Aliyyah @RichAndHappyBlog says:
    7 years ago

    I’m in my early 20’s and am already saving for retirement. At first, I felt like I was losing money to the future by saving. Now that I track my net worth, I can see that the money is still mine and the more I save for retirement, the more I increase my net worth!

    Reply
    • Allan Liwanag says:
      7 years ago

      It’s really good Aliyyah that you start early. Compounding will be your best friend later on.

      Reply
  6. Donna (Just One Donna) says:
    7 years ago

    In my opinion, the most important thing a person can do is start saving for retirement early and keep retirement saving a priority. While retirement may seem a long way off, it will come faster than you think.

    Reply
    • Allan Liwanag says:
      7 years ago

      I totally agree with your statement, that is, saving should be a priority and should be started early.

      Reply
  7. Amanda @centsiblyrich says:
    7 years ago

    Investing is a scary prospect for many people and I think this fear keeps them from saving for retirement. The most important thing people can do is just start (you don’ t have to be an investing “expert”) – start with a company 401k or IRA, it doesn’t matter, just start. Once you see that compound interest add up over a few years, you’ll be grateful you did.

    Reply
    • Allan Liwanag says:
      7 years ago

      Yes, starting somewhere even with a few dollars is something.

      Reply
  8. beth kelley says:
    7 years ago

    Great post. Your posts are always full of great information. Nice job.

    Reply
    • Allan Liwanag says:
      7 years ago

      Thank you for such kind words.

      Reply
  9. ZJ Thorne says:
    7 years ago

    A million is a number that makes people feel good, but retirement is personal. My assumptions for my current life calculate that I need less than that. This will change if I acquire a dependent. Or COL increases. Or health changes. Ad infinitum.

    Reply
    • Allan Liwanag says:
      7 years ago

      So many factors, right? lol.

      Reply
  10. Level Up Money says:
    7 years ago

    Allan – Great post! I could beat this dead horse all day long but I still can’t fathom how people choose to not get their company match in a 401k.

    Starting my career I had student loans that got in the way but I made sure to put in the minimum needed to get the full match from my company. This has been one of the best things I have done to increase my net worth and it has been a great motivator in continuing to practice sound financial principles.

    Reply
    • Allan Liwanag says:
      7 years ago

      Yes. 401K matching with the employer is basically free money.

      Reply
  11. Mrs. Picky Pincher says:
    7 years ago

    Agreed! I think our society has a very limited view of what “retired” looks like. I’ve become a little cautious when I tell new people about our early retirement goals. For some reason, it’s seen as lazy to retire before age 65. I don’t want to slave away for another forty years, thank you!

    Reply
    • Allan Liwanag says:
      7 years ago

      I agree with you on this. But of course, like what I always say to others I’d rather be called lazy if it means that I get to retire early and do things on my own time and in my own terms.

      Reply
  12. Tia @ FinanciallyFitandFab says:
    7 years ago

    I think company matches are the best way to start contributing to your 401k. Like you said, it is free money! This is def something that more millennials need to take advantage of and contribute at least to the match.

    Reply
    • Allan Liwanag says:
      7 years ago

      I truly agree with that. 401 match is really free money that a lot of people especially the millennials tend to overlook at.

      Reply
  13. Heather with WELLFITandFED says:
    7 years ago

    I always love the stuff you write Allan. So practical!! I love practical!

    Reply
    • Allan Liwanag says:
      7 years ago

      Thank you.

      Reply
  14. Bre | Maintaining Me says:
    7 years ago

    Thanks for the tips!

    Reply
    • Allan Liwanag says:
      7 years ago

      You’re welcome.

      Reply

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The Practical Saver

About Allan Liwanag

Allan is a recognized personal finance expert and founder of The Practical Saver. He paid off his $40K and saved $70K, at the same, in 2.5 years under $39K/year salary.

His expertise has been featured in Business Insider, MSN, U.S. News and World Report, Yahoo Finance, NerdWallet, GoBankingRates, AOL Finance, CreditCards.com, HuffPost, Debt.com, Zillow, Mass Mutual, and various local media outlets. Read more

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