生活方式 阅读时间:3分钟

健康的身体,健康的钱包

Many people have a clear vision of what their ideal retirement looks like. Some desire vacation homes in tropical destinations, while others plan to spend quality time with their grandchildren and family. We know that many of these dreams will come with a price tag, but of all the activities in retirement that you're saving for, have you considered the costs associated with necessary services, 就像卫生保健?

One study found that a man would need to save $130,000, 而女性则需要节省146美元,000, for health care during retirement if they wanted a 90% chance of being able to pay all their medical bills.Thankfully, your retirement health costs are not set in stone. 当然, you won’t have total control over your health in retirement, but there are things you can do to manage your health risks and the potential costs associated with them. 这里有一些建议.1

得到通知 - Medical expertise and advice are constantly changing when new research emerges. 让自己了解最新的卫生保健新闻, particularly with regard to issues that have affected you or your family. Ask your doctor to help you identify any areas of concern.

养成(或保持)健康的生活方式 - This boils down to simple wisdom: eat healthily and exercise regularly. Limit fats and sugars and increase your intake of whole grains, fruits, and vegetables. If you haven’t already, embark on a fitness program that you can stick with long term. If it’s been a while since you last exercised, consult with your doctor before you begin. 慢慢开始,逐渐达到你的目标.

放松 压力可能对你的健康有害. 维持友谊, 专注于爱好, and taking time to relax may help ensure good mental health. 事实上, research shows that staying socially active in retirement is correlated with lower stress levels and a reduced risk of depression. It is also associated with a lowered incidence of Alzheimer’s disease.

学习你的数字 - Staying healthy means monitoring a few key numbers. You should know your blood pressure, cholesterol, and body mass index (BMI). In addition, your blood sugar level may indicate your risk of developing type 2 diabetes. Your doctor can perform simple tests to help you identify these numbers and recognize any vulnerabilities you may have.

获得预防保健 - Preventing a disease or illness can be much less expensive than treating one. 是你的医生推荐的, take advantage of free or low-cost diabetes and heart disease screenings, 乳房x光检查, 和疫苗. 确保进行年度体检.

There is no way to guarantee you won’t have unexpected health care costs in retirement. But by maintaining a healthy lifestyle, you may reduce possible health related expenses.

1. 员工福利研究院,2017

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见及 所提供的资料仅供参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权所有2021 FMG套件.

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