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Sovazky Lee
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Sovazky Lee   My Press Releases

Discover Your Ideal Retirement Hobby

Published on 4/18/2018
For additional information  Click Here

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Younger generations have to think and learn a lot more about long-term financial strategies than those who came before them. Tech can help. So when it comes to retirement planning, at least have a good foundation. it often lack is a strategy to get from today's earning to tomorrow's equity. Yet this generation is expected to make more of its own decisions on investment strategy.

While a lot of large employers automatically enroll employees in 401(k) plans, a number of retirement plans still require you to opt in: If you don't take initiative, you don't invest anything. Employer-sponsored retirement programs aren't part of the growing gig economy, and often aren't offered by the startups attracting many of the best and brightest college grads. But how do you motivate people to plan for the long term? One approach is to look at life as a continuum of opportunities, rather then just working life and retirement.

That's a more accurate picture in which people do gap years, and sabbaticals, partial retirements, and post-retirement careers. In lieu of planning for end-of-life retirement, we can plan for a lifetime of flexibility. "It's hard for any of us in here to project what life is going to be like in 40 years

Advances in technology and changes in workplace attitudes are increasingly giving workers more flexibility, which will continue for future generations of retirees. They won’t need to be tethered to a desk in a handful of major metropolitan areas.

They’ll have myriad options about where to live and work, places that feed their creative and entrepreneurial souls and fit a range of budgets as well. Of course, it's never too soon to start planning for—and imagining—that future. From the Rocky Mountains to the Baltic Sea, the following cities offer the sort of innovative spirit that makes them attractive destinations for the designers, programmers, and creatives for years to come. Today, we're not only living longer, but also healthier, able to remain active well past the traditional retirement boundary of 65.

That's a good thing. For many Millennials and younger generations who may reach their 90s (or beyond), fatter student loan bills and slimmer employer benefits mean they'll need to work longer, at least part-time. This isn't a grim reality, though. It's a whole new concept of retirement presenting oodles of opportunity. "Retirement" is being reinvented, changing from stashing away an end-of-life contingency fund to planning for longevity, with varied, changing needs and opportunities. Workers past 60 may cut back on hours or move to less-stressful, though also lower-paying, jobs; technology could continue to enable more flexible work arrangements to accommodate them.

It's pivoting, not closing up shop. But financial strategies will have to account for changed paychecks and bills. At a certain point, it may be time to leave the workforce completely. And the medical miracles that enable us to live longer will also cost more as the years go on.One of the greatest achievements in human history—the extension of healthy lives—should be celebrated, not feared. "Old" people will bankrupt our governments and suck wealth from the younger generations, goes the gloomy version. But getting older doesn't mean getting idle.

People who live longer can contribute longer; and mainstreaming technologies from AI assistants to self-driving cars will certainly narrow the gap between what the younger and older can do. Perhaps today's younger generations won't be able to save up for a future life of endless golf. But how many of them would want that, anyway? When we see life as a continuum, instead of two stages—before and after 65—we can begin to strategize for a lifetime of fulfillment and of growth, beginning right now, and continuing all the way through, without sacrifice at either end. That's how we reinvent retirement.

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