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leondumoulin.nl/language/math/positive-therapy-for-infertile-women.php With three kids to raise and aging parents to care for, they were among the many who lost their homes in the financial crisis. And it all began with making these four important promises to themselves:. Promise 1: Claim Social Security at age 70 not a day earlier! Smart Social Security claiming is an absolute must. Your goal is to secure a higher monthly income over the long term, and delaying Social Security is one of the most effective ways to do it.
Promise 2: Rethink your retirement age. Most of us grew up with the idea that we would retire at 65… or earlier if we could swing it. People are living much longer.
In , the average U. Today those averages have climbed to 76 for men and 81 for women. Promise 3: Focus on building enough cash reserve to make work optional.
Building a nest egg in your later years can be done, but it takes focus, diligence, and sacrifice. Get rid of debt first. More than anything else, debt has the power to hurt your future self. You may have laughed then, but thrift serves your goal to eventually to make work optional.