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If you can get out of the rat race and


enjoy a few extra years at the golf course, traveling, and spending time doing what you love, then go! If your dollars have translated into having more time to enjoy life, then get out and take advantage of all that life has to offer you while your health is good.


They wish they had downsized earlier.


When you are in the middle of raising a family, you need a house with many bedrooms and bathrooms as well as the family van. However, when it is just you and your significant other, a large house and vehicle can be more of a waste of time and space. Liberate yourself from the extraneous


clutter and pass on the unused items. Many retirees say that they wish they had done it earlier instead of dusting unused items or paying to heat or cool rooms that rarely ever get used. Selling or gifting these items frees up time and money that can then be used to further enjoy your retirement.


They would have thought more before making a rash move.


Often, children grow up and move away. Deciding to follow children and grandchildren can sometimes lead to a disappointing outcome if the situation does not go as well as you had planned. As your children grow up, they tend to develop friendships and careers that take them farther and farther away from you. If you move to follow your children and have the expectation of remaining close, you may find yourself disappointed. If you do not develop your own social connections, you could end up feeling even more alone than you had planned. When planning a relocation, decide


where you want to go based on personal desires and hopes for a peaceful, happy retirement. Better yet, choose a place that will not only make you happy but a place that others would like to visit.


They wish they had not accrued so much debt.


Instead of planning on saving, many people depend on credit to deliver a certain standard of living. Instead,


60 May/June 2017


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