How do you see your future after retirement? Maybe you are going to move to a cottage by the sea or rent a house in New Jersey? Or are you afraid of being homeless?
“Most women who come to my class are afraid of just that,” said finance planner Judith Martindale. I hear it all the time. Women come to me and say: "Judy, dear, I do not want to end the life of a homeless man."
“I even had one woman who put in her suitcase a change of clothes, a blanket, bedding, as they say, just in case. But this woman had her own business, and it prospered. ”
CAN I PUT THE SIGN OF EQUALITY BETWEEN THE CONCEPTS OF “OLD” AND “POOR”?
Not only J. Martindale, a number of psychologists also drew attention to a new source of anxiety among older people. This concern was especially prevalent for the fairer sex: many single, widowed or divorced women, peering into their future, see themselves as being perched on a pile of their property on a grate through which steam rises.
“I am a single woman, I have my own business, and I know how scary it is when you have nobody, admits Martindale, who is divorced and who has no children. There were times when I also panicked, afraid to end the life of a homeless man. ”
To get rid of fears, she decided to act according to plan. She came to the conclusion that after retiring, her life will depend on her state of health and how much money she will have. And she began to deal with her health and her finances, a good example for all women who face a not brilliant financial situation.
Let us turn to the facts.
Most married women meet old widows.
The average income of a woman over 60 is $ 6,300.
Most women earn less than men and cannot contribute the same amount to pension funds. Women who retire also receive much less than men for social security programs.
Women who have not worked for some time, because this was demanded by the interests of families who worked part-time or did not work at all, who took up professional activities after their children grew up, have fewer opportunities to save money for old age. When they retire, they find that they are “punished” for fulfilling their maternal duties: their pension is less because they have worked for fewer years and earn less.
Unemployed wives receive at the age of 65 50 percent of the pension earned by their husbands.
Although the average widowhood in the United States is 56 years old, women do not receive pensions until they turn 60 years old.
On average, women live longer and suffer more from chronic diseases, so if only a woman did not provide herself in advance for old age, she can live everything that has been postponed.
- Take care of the future in advance
- You must have a backup plan
- Retirement can cause psychological stress and, if a woman is married, affect
- Health is the main thing
- Learn to make savings
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