As we get older, our bodies change a lot. Reaching middle age is often considered a milestone in life. But if you haven’t prepared for what comes beyond middle age, you could find yourself worse off than your peers. It’s not hard to do, but it is essential if you want to live well for the rest of your life.
Many people these days are worrying about their financial future. With so many pension pots no longer filling promises, you are right to be concerned. It is never too late to start saving for your twilight years. But the sooner you start, the more income you should have when you want to stop working for a living.
Your pension and savings will need to fund any aged care services you might need. This may be needed due to mobility problems, illness or even dementia care. Most people need to downsize their homes in old age too. Large, empty nests cost too much money to run. They are also a lot of hard work to clean and maintain. Single story living is preferable as stairs can be too much of a challenge when we’re elderly.
In addition to saving for your later years, you can also prepare your body for aging now. Taking care of your well-being now should be top of your to-do list over the next few years. Eating well and exercising every day will help keep your body in good condition for longer. Make regular activity part of your lifestyle now, to see you through for the rest of your life.
Diet is also important. Ditch the bad habits like excess fats, sugar and alcohol. Adopt a diet loaded with fresh produce like vegetables and fruit. Nuts and seeds contain healthy fats and calories, so they are excellent snacks. Drink plenty of water to keep the body and brain hydrated. By meeting your nutritional requirements now, you can help pave the way for a healthier future.
You may feel it is too early to be planning for retirement and old age today. But if you ask any elderly person now they will likely tell you they wish they could have done more. It has never been so financially tough for the elderly. The cost of energy and food has never been so high. And for us, the state cannot guarantee we will have any pension support from them any longer.
We’re all going to need some support with day-to-day living when we reach a certain age. Some of us are lucky enough to have family around that will happily perform those duties. But things change, and we may feel we are a burden. Think carefully about how you will fund that care, and how you will make the move to more suitable accommodation later in life.
Old age is a daunting prospect whatever age you are now. But it doesn’t need to be uncertain. Plan ahead now by taking care of your body and your finances. Most importantly, enjoy the journey to reaching your later years.