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Tips for Healthy Retirement

Date : Mar 11,2014
By : Rick Pendykoski

Retire Wealthy and Healthy

To many people retirement planning is just about accumulating enough savings or wealth that can help them spend their retirement days in comfort. Savings are no doubt essential, but if you are really looking to enjoy the benefits of the hard earned retirement wealth, the thing that holds foremost importance is good health. You need to ensure that there is no compromise in your state of health while you undergo the daily churn to generate more income so that you can save enough.

It would be a sorry state of affairs if you find that you have all the money for your retirement but it is still inadequate. As you need to spend much more than you anticipated in keeping your health good. You do get a health insurance, but we know there are associated costs. If your health condition is not good, you would have to borne a much higher premium. Besides, not to forget the cost incurred on copayments and deductibles. Even Medicare coverage which is sponsored by the government for citizens above the age of 65 may be inadequate to meet your health expenses and you would need a supplemental coverage.

So this is basically a precarious situation to be in and it can be best avoided by ensuring preventive health maintenance while you are young. Follow some good practices and you can be assured that you will remain in the best of shape when you retire. Only then you can enjoy the comforts and advantages of a retired life.

Get Regular Health Check-ups

A regular health check-up helps you identify potential problems quite early in the life cycle and help you avoid potential complications. Some of the important health parameters that you can look to monitor on an ongoing basis may include:

a. Blood Sugar – If you have fasting blood sugar levels above 100mg/dl, you may be at the risk of diabetes. If you are able to identify this early in your life, you can look forward to lifestyle changes. Exercises and diet management can help keep diabetes at bay.

b. Cholesterol Levels – Cardiovascular diseases can lead to significant morbidity. One of the major reasons for cardiovascular disease is higher levels of bad cholesterol in the blood. Triglycerides and LDL are essentially bad cholesterol and need to be maintained below recommended levels.

c. Blood Pressure – The recommended blood pressure goal is 120/80mm Hg and regular check should be done. If you are suffering from hypertension (blood pressure > 140/90mm Hg), you need to adopt a routine which involves exercises and a healthy diet. By following a healthy lifestyle you can keep many problems at bay.

Quit Smoking If You Do It Regularly

Smoking is associated with a host of serious ailments. You need to quit it now if you are a habitual smoker. The role of smoking in various cardiovascular and respiratory diseases has been well established.

Maintain a Healthy Weight

A health weight is a sign of a health body and you keep all major illness at bay. An overweight or an underweight body is precursor to many illnesses. Constantly monitor your weight and adopt exercises in your daily routine so that your weight stays around recommended levels.

Avoid Stress

One of the major causes of illness is high stress levels associated with your work life. Ensure that small problems and challenges do not lead you to be stressed. A way to deal with the situation is to incorporate relaxation techniques like deep breathing, meditation or yoga in your routine.

Rick Pendykoski advises people on retirement planning. He is the owner of Self Directed Retirement Plans LLC, a retirement planning firm based in Goodyear, AZ. He regularly blogs at Biggerpocket, SocialMediaToday, MoneyForLunch & his own blog of Self Directed Retirement Plans where he focuses on retirement planning, investment, securing future related topics.