Category: Retired Life

Best Places to Retire in South Carolina – The Top 5

Best Places to Retire in South Carolina – The Top 5

Best Places to Retire in South Carolina

South Carolina is quickly becoming a popular retirement state. This beautiful state features mountains, the ocean, and plenty of activities for those looking to retire here. Here is a list of the best places to retire in South Carolina.

Best Places to Retire in south Carolina

First, let’s look at the reasons people enjoy retiring in this state.

Tax Friendly Retirement in South Carolina

South Carolina is one of the most tax friendly states for retirees. They don’t tax Social Security income and there are deductions available for other types of retirement income as well. Property taxes here are also one of the lowest in the nation and the average home value in South Carolina is just $148,000. All of this makes South Carolina a good financial decision for many retirees.

SC Activities in Retirement

South Carolina is beautiful, mountains, lakes, and sunsets highlight this gorgeous state. It even features one of the oldest living things in the country, the Angel tree at over 400 years old. Home to a very active population, golf, hiking, boating, and many other activities await you here in South Carolina. It’s rich in culture and history, so you will never run out of amazing things to learn.

Retirement Haven

South Carolina is a very popular vacation destination. Many of these vacationers turn this into their ideal retirement location after visiting several times. There is really no better praise then those who visit this beautiful state wanting to make it a permanent home. South Carolina continues to grow as not only a tourist destination but as a retirement haven. Those looking to enjoy the later years of their life with beautiful weather, activities, and financial incentives will love it here.

Of course, there are many great cities to choose and all have something a little bit different to offer. Let’s look at some of the best options available.

1.    Seneca

Seneca is a beautiful town surrounded by lakes and mountains. You will find many of your retired peers in this beautiful town as seniors make up about 20% of the population. Seneca is a very active community and common recreation includes hiking, kayaking, and boating on Lake Keowee Marina.

Seneca also has several museums for you and your family to visit and learn about culture, energy, and science. It also has many medical facilities available for you to use. This makes Seneca a great place to continue living a happy and healthy life throughout your golden years.

2.    Murrells Inlet

This quiet community is just a few miles from popular Myrtle Beach. It has only about 8,000 people and seniors make up over 30% of that population. This maritime community has plenty of golf courses and beaches to keep you active. With some of the best seafood in the world you will enjoy eating at one of the many popular restaurants here in Murrells Inlet.

3.    Myrtle Beach

Myrtle Beach is another great place for retirees and is one of the most popular destinations. You will always have fun experiences to entertain you and your family here. Enjoy one the 100 golf courses, endless shopping and restaurant choices, and popular shows playing at the local theater.

Moreover, you can enjoy your retirement years relaxing on the soft white sand beaches while watching the sunset. Myrtle Beach is home to one of the longest continuous beaches on the planet, the Grand Strand. This is a great place for those looking for a little adventure in their retirement. With its large tourist population and all the excitement that comes with it you will never be bored.

4.    Greenville

Greenville is a great small town that is home to several colleges. With a great taste for art the town hosts several events and festivals throughout the year. If you’re looking to retire in a smaller, quieter area that still has attractions and a quaint downtown, Greenville may be the perfect option for you. It has maintained a historic presence. Its Main Street features many original buildings creating a unique experience for residents and visitors alike.

5.    West Columbia

West Columbia is a great choice if continued education is something you look forward to during retirement. The University of South Carolina is nearby and offers free tuition to those who are over 60. Known for its southern hospitality along with a vibrant city life West Columbia has been gaining popularity as a place to retire. It has a multitude of recreational centers located in and around West Columbia. This means you will never run out of fun activities for you and your family.

Conclusions on our List of Places to Retire in South Carolina

Retirement can be an exciting but stressful time in our lives. Especially when still deciding on where we want to live. South Carolina has so much to offer retirees. From its beautiful scenery, active lifestyle, tax benefits, and excellent health care you will find that one of these cities in South Carolina can make a great permanent home for you.

Other Fantastic Retirement Cities and Communities:

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Best Places to Retire: Florida

Best Places to Retire: Florida

Places to Retire in Florida

Here are the best places to retire in Florida. A state that is home to the highest percentage of retirees. With good reason!

One of the main reasons that retirees are drawn to “The Sunshine State”, is for well, the sunshine. With almost 250 days of sunshine each year you can always get out and enjoy the many activities offered here in Florida.

Best Places to Retire in florida

Tax Friendly Retirement in FL

Florida has some of the best tax friendly policies for retirees. There’s no state income tax here and they don’t tax retirement or Social Security Income. With no inheritance or estate tax you can pass on your wealth onto your children tax free. Property taxes are also reasonable in Florida, making it a financial haven for retirees.

Florida’s Active Lifestyle

Florida is a very active state, which has attracted the attention of healthy minded retirees. It’s easy to connect with others who are in the same position as you; trying to enjoy retirement in this beautiful state. You can go to the beach, hiking, running, or go on one of the many excursions offered throughout the state.

Family Activities

With over 1,200 miles of coastline and soft white sand beaches, you will always have something fun to do. Florida is also home to Disney World and is a great experience for both you and your grandchildren when they come to visit you. This is one of the amazing benefits of Florida, it has plenty of activities. These will help keep you and your family connected even if they don’t live nearby.

Florida Retirement Communities

Many of the communities in Florida are 55 and over communities. This means that you will find others who are at a similar place in life as you are, creating a strong sense of community. You will create lasting friendships, bonding over tennis, swimming, or book club. These communities also offer varying levels of living assistance, so assistance can increase as you age.

Of course, there are many cities to choose from in Florida, so take a look at our list of the five best places to retire.

1.    Sarasota

Sarasota has a population of just a little over 50,000 people and 26% of them are over 65. The slow-paced lifestyle features a colonial Spanish history that attracts many of these retirees. Along with plenty of amenities and about an hour drive to Tampa you’re never far from the city. However, with its nearly 100 stores and restaurants you will never need to leave your little slice of heaven. With its miles of white sand beaches, lush landscape, and plenty of wildlife Sarasota offers a beautiful backdrop for all your adventures.

2.    Gainesville

Gainesville is about 75 miles inland, meaning that you won’t go to the beach as regularly. However, when hurricane season hits, this may not be such a bad thing. Home to the University of Florida residents over 60 can enroll in courses for free. If you’re looking to continue learning during retirement this is a great advantage. Just about 10% of its 130,000 population is 65 and older, so they have a wider range of residents. Initially founded as a health care resort, Gainesville now has medical care available at both the Sands Hospital and North Florida Regional Medical Center.

3.    Naples

Naples is another beach town featuring around 20,000 people and over half of those are 65 and up. The miles of beaches, high air quality, and beautiful scenery have attracted retirees for years. Residents of Naples report feeling good about their health, financial security, community, and their sense of purpose. All of these are great things as we age and being surrounded by others who feel the same creates a unique experience here in Naples. However, home prices here reflect this reality, starting around $400,000 for a condo.

4.    St.  Petersburg

Saint Petersburg is the largest city on our list today. With over 250,000 people 17% are over 65. Home prices are lower here starting at just $165,000 depending on the size and location. Getting around in St. Petersburg is easy and you will find many people biking or walking downtown while enjoying the arts scene and local restaurants. Tampa is just a half hour away, meaning you can escape for the day to enjoy its theaters, colleges, and other conveniences of city life. Then you will return to your quiet paradise.

5.    Punta Gorda

Another small town, at around 20,000 people, over half of those are over 65. Retires are drawn by the canal-front living and plenty of retirement communities. Golfing is a popular pastime and there are over 18 miles of trails for those who prefer biking or walking. The average home price in Punta Gorda is $325,000 and rent is just around $1000 a month. This makes it a relatively affordable place to call home.  

Conclusions on Places to Retire: Florida

When looking at places to retire, Florida is always one of the top US states and rightfully so. This trend of people retiring to this temperate, active, and beautiful state shows no signs of stopping. If you want the good life filled with others who are at the same place in their lives as you are, there is no better place than one of these cities in Florida.

Other Excellent Places to Live in Retirement:

Tulum Mexico

Best Places to Retire Arizona

Best Places to Retire Arizona

Best Places to Retire in Arizona

Here are the five best and most exciting places to retire in Arizona.

Arizona has long been one of the best places for retirees and with good reason. With a little bit of something to offer everyone it’s hard to go wrong in this beautiful location.

Best Places to Retire in Arizona

Tax Benefits of the Best Places to Retire in Arizona

Arizona doesn’t have Social Security Income tax, gift tax, estate tax, or inheritance tax, making it a great financial decision. Other taxable income rates range from 2.59% up to 4.54% for married filers.

Health Friendly

Arizona is also known to be allergy friendly and attracts those looking to improve their health. Many people find that their quality of life here improves drastically; especially those with bad allergies or asthma. This is because the state is a desert and most highly allergenic vegetation does not grow here. Along with its beautiful scenery and outdoor adventures you may find that you feel healthier later in life than before.

Arizona Weather

Arizona also has amazing weather year-round. With no humidity even its hottest days seem bearable. And with over 300 days of sunshine per year you can get out and enjoy all of those beautiful activities as often as you like. However, if you don’t enjoy the heat there are still a few cities that provide a great haven with cooler temperatures and even snow.

AZ Activities

If you’re a golfer, you will find there’s few better places in the world to retire than in Arizona. With over 70 ranked public courses and over 421 courses throughout the state, golfers will love their time here in Arizona.

Arizona’s Annual State Fair draws over 1 million people to its capital. Here you will enjoy prickly pear margaritas, cactus jelly, rodeos, and much more.


Diversity and culture are abundant in Arizona. With over 20 Native American tribes represented and the highest percentage of land dedicated to reservations, this piece of our history has been maintained in Arizona. In fact, it is still home to nearly 10% of the Native American population.

If the tax benefits, weather, and endless activities seem attractive to you Arizona is a great option for you. Read on to learn about some of the best cities to Arizona has to offer.

1.    Sedona

Sedona is well known in the movie world. The iconic red rocks that call Sedona home have appeared in many major western movies. These amazing natural features create a beautiful backdrop for your new home. The moderate climate and mountains that Sedona has to offer make it a popular retirement community. With numerous hiking trails and a thriving art culture, Sedona has a little bit of something for everyone. This laid-back town is a great option for those seeking an escape from city life.

2.    Mesa

Mesa is the second largest city in Arizona with over 400,000 locals but it is still cost-effective choice for retirees. Ranked number 10 out of the state for cost of living, along with its attractions, museums, and sports centers you will always have something to do. Of course, Mesa also has several golf courses available for retirees of any skill level to enjoy. If you are looking to enjoy the city life with all of its conveniences and amenities, Mesa is a great option for you.

3.    Youngtown

Youngtown has an interesting history. It was initially started by a real estate broker named Ben Sheffield. He created this new community as a senior citizen only living. This idea took off quickly and population increased with those looking for low-cost retirement living. The warm climate, low taxes, and no crime created the perfect environment for these retirees. After many years it came to light that Youngtown was never actually designated as a 55 plus community and it now allows all ages to call this beautiful place home. However, with its parks, clubhouse, and beautiful lake Youngtown has maintained its small-town feel.

4.    Peoria

Peoria is the ninth biggest city in Arizona and is located on the outskirts of Phoenix. Surrounded by the rugged terrain of the Sonoran Desert. It provides the perfect landscape to enjoy a variety of outdoor activities. Being that the city is so large you will find all of the conveniences of city life surrounded by adventure filled days of hiking and enjoying nature. If you are a fan of baseball you will also love the Peoria Sports Complex. In fact, both the San Diego Padres and the Seattle Mariners use it to train during the spring.

5.    Surprise

Surprise is another city located just outside of Phoenix. It provides all aspects you will need in retirement. This includes plenty of activities as it’s surrounded by the Sonoran Desert and mountain park lands. It’s one of the best places to start a business and 9 out of 10 residents suggest you do so. With its low crime rates and excellent amenities, it really isn’t a surprise that Surprise is such a popular location for retirees. Along with its installation of public art and beautiful scenery Surprise is another great choice for those looking to retire in Arizona.

Conclusions on the Best Places to Retire in Arizona

With its tax friendly policies, wonderful weather, endless activities, and cost-effective prices, it’s no wonder that Arizona continues to be one of the best states for retirement. Any city in Arizona will provide you with these benefits, but the cities on our list have something extra. They all offer something that makes them unique and makes them the perfect places for retirees to call home.

Read Next: The Best Places to retire in North Carolina

Or Read: The Best Places in Mexico

Best Places to Retire in North Carolina

Best Places to Retire in North Carolina

Best Places to Retire North Carolina

North Carolina is quickly becoming a retirement haven. In fact, it has even beaten out two of the most popular states for retirees: Florida and Arizona. Here are the five best places to retire in North Carolina.

Best Places to Retire in North Carolina

Tax Benefits of the Best Places to Retire North Carolina

Over the years North Carolina has developed tax friendly policies that attract retirees. If your main source of income is Social Security North Carolina is a great option for you as they don’t tax this type of income. You will also benefit from their low property taxes and sales tax that’s around the national average.

In 2013 North Carolina repealed their estate tax meaning that you can transfer any amount to your heirs without paying state taxes. This is another benefit that is attracting those with substantial income to retire in North Carolina.

Natural Beauty

North Carolina is a beautiful state; from the ocean to the mountains. You haven’t seen true fall colors until you’ve experienced it here. Along with its cultural history you will always have something new to experience.

Retirement Home Options in North Carolina

 As North Carolina has continued to grow as a retirement state, more retirement homes have become available. These are available at a variety of price ranges, care levels, and locations to meet whatever your needs are now and in the future.

Now that you know what North Carolina has to offer retirees, let’s look at some of the best cities to choose from.

1.    Asheville

If you enjoy going to a good brewery, Asheville is the place for you. With more breweries per capita than any other US city you will never run out of amazing craft beers to taste. Along with its arts and music scene Asheville provides the perfect place for retirees. Here you will enjoy the beautiful scenery, temperate climate, and downtown entertainment.

This town is large enough to provide a lot of city life conveniences while still being small enough to maintain a quaint feeling. Asheville also has amazing outdoor options as well. Biking, hiking, and golf are common pastimes for residents. Follow this up by hitting the downtown shops, watching the street performers, and then relaxing with a drink at an amazing restaurant.

2.    Brevard

If something a little smaller is more your speed Brevard is another mountain town located in western North Carolina. Their goal is “to promote a high quality of life, support economic prosperity, and cultivate community while honoring its heritage and culture.” This beautiful town offers waterfalls, mountain biking, and rock climbing for retirees who want to remain active. In Brevard you will enjoy nearby Pisgah National Forest and DuPont State Forest thanks to its moderate year-round climate.

3.    Davidson

Lakeside living is also easily available in North Carolina. Davidson is a small town with just under 13,000 people located on the shores of Lake Norman. With its small-town feel and southern hospitality, you will enjoy a quiet lifestyle.

With nearby Charlotte only half an hour away you can always enjoy the city before returning to your lovely community. Davidsons’ historic character and walkable downtown area make it a great community. Along with fishing, boating, and nearby hiking trails you will never get bored living in this beautiful small town.

4.    Highlands

If 13,000 people still seems too big you will enjoy the tiny town of Highlands, with less than 1,500 permanent residents. However, keep in mind that this number peaks to around 20,000 people during the heavy tourist times: spring through fall.

This tourism provides ample business opportunities for its more entrepreneurial residents. Highlands also features the beautiful landscape North Carolina is known for. You will enjoy hiking to beautiful waterfalls, antiquing in downtown, or watching a play at The Highlands Playhouse founded back in 1983.

5.    New Bern

New Bern is a little bit closer to the sea with a population of just over 30,000 people. You may even recognize its downtown streets from the movie “The notebook”. New Bern is also the second oldest town in North Carolina and was even the capital in colonial days. While it remains a small town it still has a beautiful arts scene. Street performers, waterfront concerts, and bi-monthly art walks ensure retirees will enjoy the finer things in its four historic districts.

Conclusions on Places to Retire North Carolina

North Carolina has plenty to offer retirees and you can find just about any lifestyle you’re looking for in one of the many cities or towns here. With great tax policies, beautiful scenery, year-round temperate climate, and retirement community choices, North Carolina has everything you need. Your family members will love to visit with all of the experiences North Carolina has to offer.

Read Next: Best Places to Retire in Mexico

Puerto Vallarta Best Places to Retire in Mexico with

Other Best States and Cities to Retire in the United States

5 Best Places to Retire in Mexico

5 Best Places to Retire in Mexico

5 Best Places to Retire in Mexico

In this article we cover the 5 best places to retire in Mexico.

When deciding on somewhere to retire many people imagine drinking Mai Tais on the beach. One of the best places to do this is Mexico, which offers a little bit of something for everyone. In fact, International Living has rated Mexico as one of the top 5 countries in the world for retirees.

Mexico’s geographic diversity means that you can have mountains and the ocean all while being in a temperate climate. This makes Mexico somewhere that you and your loved ones can enjoy year-round.

Best Places to Retire in Mexico

Puerto Vallarta

Puerto Vallarta is a popular retirement destination for many Americans as it is warm year-round and offers a lot of fun activities. It’s a very convenient place to retire with direct flights throughout the United States and to other countries.

This beach town offers plenty of nightlife, music, and theater to keep you entertained. Of course, you can always spend a relaxing day enjoying the beach if you decide to retire in this area of Mexico. Puerto Vallarta has a great mix of local culture while still being easy for expats to navigate. Most expats find that they need very little Spanish to get by in Puerto Vallarta.

Puerto Vallarta Best Places to Retire in Mexico with

Cost of Living

The cost of living in Puerto Vallarta is cheap especially in comparison to American standards. Typically, a couple can retire on well under $3,000 USD per month for everything you need. An average 2-bedroom apartment costs around $900 a month while groceries and other household items will set you back around $300 a month.

Great for those looking for a city by the beach with lots of activity.

Puerto Vallarta – 5 Best Places to Retire in Mexico

San Miguel de Allende

Retiring in San Miguel de Allende means living in a quaint community with a temperate climate. The average daily temperature is in the 70’s and drops into the 50’s at night. January and February are the “cold months” dropping into the 30’s at night.  

This town has a lot of cultural history to share with those who choose to make it their home. With its thriving art scene, you will never get bored or lack a cultural experience.

San Miguel de Allende best places in retire in mexico from

Cost of Living

The average cost of living for a couple is less than $2,000 per month. The temperate climate means that there is no need for heat and AC, keeping electricity bills low. While going out to a nice restaurant will only cost $40 to $50 including drinks and appetizers.

Great for those looking for a cultural experience.

San Miguel de Allende – 5 Best Places to Retire in Mexico


If you’re looking for something a little more upbeat Merida is a great option for you. With close to 1 Million people this huge city still maintains a quaint feeling when walking the cobblestone streets. The culture, sports, and modern infrastructure along with world class medical care makes it a great retirement community for expats. This will prove to be an easy transition for those leaving the US and moving to Mexico as the lifestyle and amenities are similar. However, due to the high number of locals you will need to learn more Spanish to live in Merida.

merida mexico best places to retire with medicarelifehealth

Cost of Living

Merida is another cheap place to retire even by Mexico’s standards. A couple can live comfortably on $1,500 to $1,750 every month. Temperatures get higher in Merida so your electricity bill will likely be more during the hot months. But a 3-bedroom apartment in the heart of downtown starts at just $550 a month.

Great for those looking for a colonial city living experience.

Merida – 5 Best Places to Retire in Mexico


The town of Tulum is a charming resort town that has been growing in popularity over the last several years. With the beautiful beaches and crystal waters of the Caribbean, it is becoming quite the tourist destination and an ideal spot for many retirees. If you choose to live in the center of town you will not need to have a car. Walking, biking, and mopeds are popular modes of transportation for those who live within the city.

Tulum Mexico

Cost of Living

As interest in Tulum has risen so have the prices to live here. This is the most expensive city on our list today but is still cheap for American standards. A couple can live comfortably on just over $3,000 a month. This higher price is almost entirely due to the increased housing costs caused by increased tourism and population. Renting a furnished two-bedroom house will set you back about $2,000 every month.

Great for those looking for a charming Caribbean lifestyle.

Tulum – 5 Best Places to Retire in Mexico


This breathtaking coastal town is another great choice for retirees. It features some of the best scenery in the world. With over 30 beaches lined by the beautiful Sierra Madre mountains it is an amazing place to call home. With great healthcare available in town and reasonable rates you will be wondering why you didn’t move here sooner. A typical doctor’s appointment will only set you back around $20 depending on what specialty you’re seeing.

Huatulco mexico

Cost of Living

Living in Huatulco will set a couple back about $1,500 every month. This includes a two-bedroom condo ranging around $500 to $700 a month. If you are looking for something a little fancier, a house with an ocean view will cost around $1,000 to $1,500.

Great for those looking for a up and coming resort location.

Huatulco – 5 Best Places to Retire in Mexico

Conclusions on Places to Retire in Mexico

When deciding on a place to retire, Mexico should be at the top of your list. It’s an easy flight for family members to come visit you and the amazing weather. With the great climate, great healthcare, and affordable prices it’s hard to go wrong in such a beautiful place.

Best States to Retire in the United States

Best Places to Retire in florida

What is Average Retirement Income in America?

What is Average Retirement Income in America?

What is Average Retirement Income in America?

The average retirement income in the United States varies by your region and age. However, understanding your number in relation to the “Average American” can be very helpful in planning.

What is Average Retirement Income in America?

Deciding how much money you need to retire comfortably is a big decision. Sometimes people underestimate the amount of their after-retirement expenses. Then, they are stuck in a position of having to find another job to supplement their income or live less comfortably than planned.

Looking at the average retirement income can help you get a good idea on what your needs will be in retirement.

Average Retirement Income 2019

The US Census Bureau states that the average retirement income for Americans over the age of 65 was a median of $47,357 and a mean of $73,288. Interestingly, those two numbers are drastically different when looking at these same group of data. This is because median and mean are calculated differently and each of those have advantages and disadvantages.

Median Retirement Income

The median retirement income represents the middle ground of everyone. By taking everybody’s retirement income and figuring out what number is in the middle of all of those. This can be a better way to evaluate how much most people have in retirement because it isn’t skewed by extreme high numbers.

Mean or Average Retirement Income in the US

The average or mean takes all of the retirement incomes, adds them together, and then divides them by the total number of retired people evaluated. This is not always the most accurate because extremely high numbers will pull the median above what the majority of the population actually makes.

So, when looking at the statistics generated by the US Census Bureau the median of $47,357 is likely a more representative picture of the average retirement income.

Trends in Average Retirement Income

Looking at the average retirement income based on age groups reveals more interesting factors to consider. As you look at older groups of Americans in retirement, their average cash flow in retirement is significantly lower than that of their younger retired peers. For instance, in households aged 55 to 59 the median income is $73,711 while those aged 75 and above have a median income of just $34,925.

This is likely due to the increased inflation overtime and what someone needed to retire 20 years ago was significantly less than is required today for the baby boomer generation. Keep that in mind when planning your own retirement income; as time goes on money is likely to be worth less and will not go as far.

State Average Retirement Income

Of course, these average retirement incomes are based off of the entire country as a whole. Consequently, they are vastly affected by the different expenses of each state. So, let’s look at the most expensive state and the cheapest state to retire in based on average retirement income.

Unsurprisingly, Hawaii comes in at the most expensive state to retire in. The average savings required to retire comfortably in Hawaii is $1.84 million. Considering that Hawaii also has the highest life expectancy out of all the states at 81.5 years old, this money needs to last a long time.

Mississippi, on the other hand, comes in at the lowest average savings required of just $617,661 Mississippi also has the lowest life expectancy of all the US states at 74.5 years. This means that the retirement savings don’t typically need to last as long.

Where does Retirement Income come from?

You may be wondering where people are getting an annual retirement income from. There are several different sources but some of the most common will be listed below.

Social Security Income

85% of people aged 65 and above receive social security. In 2020, the average monthly Social Security payment was $1,503. The US government created Social Security as a supplement to retirement income. Not a primary source of it. However, many people rely heavily upon the income received from it.

Related Reading: Social Security Lump Sum Death Benefit


Another large group of retirement income is going to come from people’s assets. This is the accounts that they have invested in throughout their careers, such as 401K’s, IRA’s, and other savings accounts. While many Americans expect their asset accounts to be their main source of income during retirement, studies have shown that most people do not have enough saved to live off of. In fact, half of those receiving income from assets receive less than $1,754 every year.


Looking at some of the numbers above, it’s not surprising that many retired Americans find that they need to go back to work in order to make ends meet. According to the Bureau of Labor Statistics 32% of those aged 65 to 70 and 11% of those aged 75 and above are expected to rejoin the workforce by 2022. Transamerica also estimates that over half of those above the age of 65 will continue to work or don’t plan on retiring. The reason for this is mainly due to financial reasons. For example, being unable to retire based off of their current savings.

Related Reading: Jobs for Retired People

How to Increase Retirement Income

Looking at some of these numbers may make you a little worried about your retirement. However, there are several things that you can do to help increase your retirement income before you get there.

Delay Social Security Income

For those who are already in retirement, delaying Social Security Income can be a great option. It can boost your income down the line. If you wait to start benefits you could earn an additional $300 or more every month.

Increase contributions to asset accounts

Before your retirement, you should be contributing to an asset account or multiple if you can. During your younger years, focus on maxing out contributions, especially if your company offers matching benefits. As you age, focus on decreasing spending and increasing your average savings.

Once you’ve retired, unfortunately it’s difficult to increase your asset accounts enough to make a significant difference. At this point, you will have to focus more on reducing your average spending to make your money go further.

Delay Retirement

If you enjoy the work that you’re doing, delaying your retirement may not seem like a bad option. By increasing the number of years you work, you increase the amount that you can save. As a result, you can put that towards a comfortable retirement. This could be one of the best ways to boost your retirement income going forward.

Conclusions on Average Retirement Incomes

Retiring comfortably takes a lot of planning and saving throughout your life. It’s easiest if you start planning for retirement as soon as you begin working. This allows for the compounding of your assets. However, as we age and look at retirement approaching sooner, we can still do some of these things to help create the future that we want.

Further Reading:

life insurance in retirement article with
Boomer Test: How Boomer are You?

Boomer Test: How Boomer are You?

Boomer Test Time! How Boomer are You?

As a baby boomer you know how to have a little bit of fun, despite what all those pesky millennials keep saying. We searched the internet to find you the most fun online baby boomer test list.

So, take a look at some of these quizzes and find out just how boomer you are.

A boomer test list to find our how boomer you are

What Percent Boomer Are You?

This quick quiz by BuzzFeed is a fun, lighthearted way to see how much of a boomer you are. Go through, select what things you have done or experienced, and see your results. Some of the options are: used emojis in the wrong context, gotten confused using Facebook, and written a check at the grocery store.

Which Boomer Are You?

Another fun quiz by Buzzfeed is which boomer are you. This one’s asks a lot about millennials and your feelings towards them. It starts off strong with “pick a reason to hate millennials”. Our result was Phyllis, who is 57 and gets a little feisty from time to time.

Only a True Baby Boomer can beat this Test

This quiz was put out by The Washington Times and is meant to show how much you experienced as a boomer. It asks questions about popular TV shows, music, and fashion that only a true baby boomer would have experienced. Get your results and send this to your friends to see who the best baby boomer really is.

Are You a True Baby Boomer?

Do you remember using rotary phones and when bottled milk was delivered to your door? If so, then you may be a true baby boomer. Take this quiz to experience a dose of nostalgia for your childhood and see just how much of a boomer you really are. These millennials nowadays just don’t understand how good they have it.

how boomer are you

Sorry Millennials, Only Boomers can get 18/20 on this Quiz

Last, we have another fun quiz by BuzzFeed. This quiz is guaranteed to separate the true baby boomers from everyone else. Looking at popular games, music festival’s, fashion, and boomer culture you can prove once and for all that you are the real deal.

Baby Boomer Test Conclusions

You may have been born at the right time, but without taking these tests can you really say that you are a true baby boomer? We don’t think so. Take these tests to impress your friends with your boomer knowledge and have a little fun at the expense of millennials.

More Fun Reading Curated for Our Baby Boomers

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Best Places to Retire in south Carolina

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Best Places to Retire in florida

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Things to Do After Retirement

Things to Do After Retirement

Things to Do After Retirement

Retirement is something we’ve looked forward to throughout most of our adult lives and it provides the most freedom we have had in decades. With no job to tie us down, no kids still living at home, and no responsibilities beyond doing what we enjoy, the options are limitless. Sometimes however, the endless choices of things to do after retirement can seem overwhelming. So, let’s take a look at some of the best options to create a fulfilling retirement with things to do after retirement.

Things to do After Retirement

Travel Things to Do in Retirement

One of the biggest things people want to do during retirement is start traveling. If you have the ability to do so, traveling can be a very rewarding experience. There are many different ways that you could begin traveling and each offers its own advantages. Take a look at some of these possibilities and see what fits your lifestyle best.


Slow Travel + Frugal Travel

Cruises are a great option for those who want a relaxing travel experience. The majority of the time you will be relaxing by the pool, having a drink, and watching the beautiful scenery. This is an all-inclusive option, you don’t have to worry about setting up transportation, places to stay, or food choices. You simply choose the destination you want to go to, take a cruise to get there, and then explore the area.


Another great option is to buy or rent an RV and travel around the country. This provides you with significantly more flexibility in your travel plans. RV travel allows you to experience the joys of slow travel. You decide when, where, and how long you want to stop and have no time limit on experiencing an area. However, this is more involved, requiring you to determine the destination, route, food, and all other factors of your trip.


If you decide to go to other countries and want to truly experience all they have to offer, a tour may be the best option for you. This combines some of the benefits of both cruises and an RV. You get more experience in the culture that you’re visiting, without having to completely plan an entire trip on your own.

Hobby Things to Do in Retirement

Have you ever wanted to try a new hobby or sport but found that you were just too busy? Now is the perfect time to get started in the things you always thought were interesting. Take a pottery class, start playing tennis, or start writing a book, whatever you think would be fulfilling is worth a try. Finding a hobby that you will enjoy for years, can be somewhat of a trial-and-error situation, but once you find what you’re passionate about, you’ll be happy for all the other experiences you’ve had.

Become a Mentor

Many people find that after retirement their life isn’t as fulfilling as it used to be. Becoming a mentor and using your experience to help a younger person on their journey can be one of the most rewarding ways to use your retirement years. Young people are constantly seeking input from those who have been where they want to be and advice on how to get there. Whatever experience you have had in life can be something useful for a younger adult or child going through similar experiences.

Start a Business

part time jobs for retired people

With all that free time on your hands, why not start the business you’ve always dreamed of? You could open a bakery, start a blog, or anything else you’ve always imagined. Starting a business can be rewarding for many people and a great way to use your retirement years. Now is the time to go for your dreams, however big or small, so don’t resign yourself to giving up on achieving them.

Take a Gap Year

Gap years are typically used for young adults who’ve graduated high school and are not yet ready to start college. It gives them time to experience things in life and decide what they want to do going forward. This is a similar point in life to initial retirement. You’ve done all of the things you had planned and now you need to decide what you want to do with the rest of your life. Taking a year to just experience the things that you have always wanted to experience and explore the possibilities of what you want going forward, can give you a lot of insight that you wouldn’t have had otherwise.

Move Somewhere New

Jobs and responsibilities often hold us in places that aren’t our ideal location. Maybe you have just always wanted to really immerse yourself in another culture overseas, or your family lives in another state. Moving to somewhere new can give you the opportunity to experience what you’ve always wanted.

Regardless of what your reasons are for wanting to move, you have to remember that now there’s nothing holding you back. There’s no reason that you have to stay where you have been, if somewhere else seems more enticing.

Watch Your Finances

Lastly, it’s important when going into retirement to keep an eye on your finances. You’ve worked hard and planned for your future, so you need to make sure that you’re living within your means.

It can be a hard adjustment to go to a fixed income when you retire. But by giving yourself some time to transition to the new lifestyle and keeping an eye on your spending, you can make sure that you can enjoy your retirement for the rest of your life without worry.

Conclusions on Things to do After Retirement

Retirement is a very exciting time, but it leaves a lot of options available to you. Sometimes deciding what to do after retirement can be harder than we initially thought. Just go for something, give it a try, and see what sticks. This time in your life can be used to experience new things and there’s nothing wrong with trying something, finding you don’t like it, and trying something else. Now it’s all about the experience.

Top 10 Retirement Party Ideas

Top 10 Retirement Party Ideas

Top 10 Retirement Party Ideas

If retirement is on the horizon and you’re in search of the very best of the best, top 10 retirement party ideas – you’ve come to the right place!

top ten retirement party ideas - list of themes, gifts and fun ideas

As of 2018, each day 10,000 people turn 65 which is the standard age for retirement. People tend to feel one of two ways about it: they either want to slip out quietly, unnoticed – or go out with a bang, ready to celebrate. Of course, we think you should take the second route. Retiring is a huge milestone that should be celebrated! It is both an acknowledgment of all the hard work you’ve put in over the decades, as well as a celebration of you entering the next stage of life.

Now that we’ve convinced you to get wild and throw a party… just what does that entail? There are a few things that are important to every retirement party. We’ve put together a list of our top ten retirement party must-haves.

Retirement Party Ideas #1: Pick a Theme

Before you do anything else, you must decide on a theme. By declaring a theme, you set expectations for guests before they even arrive. Depending on what that theme is, they might even dress accordingly! A theme can also help you decide on party decorations. A few of our favorite retirement party themes and decorations include:

  • Nostalgia: Throwback to your favorite decade or memories gone by. Choose to theme the party for the decade you started working at the company. If you’re really dedicated to a nostalgia theme, try digging up old company logos or old company products to showcase at the party as decorations.  
  • Travel Destinations: Say “Bon Voyage” and celebrate upcoming retirement travel plans. Decorate with travel décor and dishes from different parts of the world.
  • Margaritaville: Need we say more? Set up a margarita station in the office or at a great venue and celebrate.
  • Casino Night: Card games, red and black decor, cigars, etc.
  • Motorcycle: Think leather, bandanas, license plates, and biker babes.
  • Old Hollywood: Gold and silver decorations with a glitz and glam vibe. Encourage guests to dress like their favorite stars from years past. This old Hollywood theme is great for a classy retirement party.
  • Golf Themed: Great for the employee who always conducts his meetings at the golf course. Hold the party at the golf course, or bring the golf course to the office with a mini golf set up and golf themed food and cake.
  • The Office: This hilarious sitcom is a great office retirement party idea. Take some idea from Jim and Dwight to spice up the party, like putting some office supplies in Jell-O.
  • Virtual Retirement Party: Whether remote work has become the norm because of COVID or if your company has had remote employees for years now, a virtual retirement party can still be fun. Host the party in a zoom meeting and make sure everyone attending has a great speech planned.
  • Get Punny: Think about your company and what the job entails, can you come up with a pun that would make a great theme? For a writer maybe the theme can be A New Chapter. For a construction worker maybe it’s a “No Work Zone.”
  • Backyard BBQ: If your co-workers are more like family, a backyard BBQ is a great casual party. You can still add a theme to a BBQ too or stick to some basic summer BBQ decorations like red and white plaid.

Tip 2: Achievement Board

You only retire once, so go ahead, brag a little! Put together a board full of the achievements of your working life. Include past jobs, promotions, important projects, big clients, and milestones. If it was a big deal when it happened, put it on the board! This will be a great talking point for you and your guests.

This is also a super sweet gift for the family of someone retiring to put together and surprise their loved one with. If you want to get really creative, you can also get an achievement cake. Ask a baker to create a tiered cake with your accomplishments on the cake. Retirement themed cakes can be overdone and boring, but an achievement cake is more exciting and more personalized.

Tip 3: Photobook or Photo Board

Your retirement party is a chance to celebrate every moment of the last several decades – big and small! Did you become a parent? Grandparent? Complete degrees and certifications? Go on vacations? Perhaps you have photos of yourself on the job or at your very first job?

Go through all of your old pictures and pull out your favorite memories. You really can’t have too many photos – bring multiple photobooks and boards to your party venue. Your guests will love looking through the photos and reminiscing with you. You can also ask guests to bring a photo they have of you to add to the collection. Have a guestbook set up so you can remember who came to the party. It doesn’t have to be a traditional guestbook, you can get creative.

Some great guestbook ideas include:

  • Have each guest write their favorite work memory on a card and have them put the card in a photo album, instead of signing a traditional book.
  • Have them bring a photo to put in a photo album.
  • Have a book for them write a retirement bucket list item for you to do and commit to fulfilling the list. You may want to add rules for them to abide by, so the list is reasonable and realistic.
  • If you are more sentimental, get a photo frame and a photo frame matt and have everyone sign the matt, then take a group photo at the party and put in the frame to hang on the wall.

Tip 4: Retirement Party Games

What party is complete without games? Get your guests involved by planning a game or two to play during the party. A few of our favorites are:

  • “Pin the…” Get a lifesize photo of the retiree and fill in the blank! Whatever the retiree enjoys as a hobby -if they love baking, play pin the apron on…, or if they’re a fan of golfing, pin the golf club.
  • Personal quiz: Who knows the retiree best? Create a custom quiz and hand out prizes to the winners.
  • Two truths and a lie: each player must present two truths about themselves and one lie, players must determine which is the lie.

Tip 5: Speeches, Toasts, and Roasts

A retirement party is not complete without a couple of speeches or comedic roasts. Let guests know ahead of time to come prepared with stories about the person retiring and pass around the microphone – this is sure to get the crowd laughing! Ask special guests who can’t make it to send a short video of them sharing funny moments and favorite memories with the guest of honor to play at the party.

Tip 6: An Awesome Playlist

Your playlist should be full of crowd-pleasers and your own personal favorites – but be sure to throw in some retirement-related music. An extensive list of suggestions can be found here. A few of our favorites: “I Want to Break Free” by Queen, “Takin’ Care of Business” by Bachman Turner Overdrive, and “Hit the Road Jack” by Ray Charles.

7. Food and Drinks

A party is never complete without food and beverages. We recommend serving snack-sized food that can be eaten in a couple of bites. Have a couple of signature cocktails for the night advertised at the bar. What drink is the person retiring known for? For example, if they love a stiff gin and tonic, advertise it as “The Painkiller,” “One Way Ticket to Freedom,” or “(No Longer) Workin’ 9 to 5.”

Retirement Party Cake Ideas

Every Retirement party needs cake. You can contact a local bakery and get a specialty cake make that goes with the theme of the party. You can also do cupcakes or cake pops in place of a large cake, this would prevent you from having to cut and serve the cake.

Retirement Party Ideas Tip 8. Mingling & Socializing

This is a given – be sure to mingle! If you are the guest of honor, make your rounds and take the time to chat with everyone. If you have a sizeable guest list, this can be difficult, so don’t stress too hard about it. A brief chat with each group of guests will do.

As you move along, introduce folks and spark conversation amongst guests so everyone feels included. If you struggle with mingling, try to make sure you have plenty of entertainment at the party, this can take the stress off you, while also ensuring everyone is having a great time. Some great ways to keep yourself meeting with guest are:

  • Rent a photobooth and take pictures with each guest as they arrive. This is a great way to spend time with each guest and have photos of the event.
  • Host your party at a golf course and take turns riding with guests in golf carts.
  • Do a murder mystery dinner so everyone is engaged in the game.
  •  If you’re playing games or doing activities, switch up who you’re hanging out with.

9. Retirement Party Gifts

Undoubtedly, people will bring gifts. Be sure to have a designated area for the collection and have a game plan. Will the retiree open them at the party? This is a great way to show thanks to gift-givers right on the spot. Feel free to note on invitations that gifts are not needed if you’d prefer to skip the presents.

In search of the perfect gift for retirement party?

You can either go funny or thoughtful.

  • Thoughtful Gift Ideas: Something for their favorite hobbies, cooking lessons, a nice bottle of wine, or an e-reader.
  • Funny Gift Ideas: We love this site for funny retirement gifts.
  • Bonus! Useful Ideas: Try this list of the Best Retirement Books to help your friend or family member with a helpful present.
The Best Gifts for Seniors and Grandparents

10: Retirement Party Favors

While not expected, party favors are always a great way to show that you appreciate your guests. Here are a few of our favorite options:

  • A playlist of your favorite retirement-related songs
  • Cheers to new beginnings coozies
  • Mini liquor or wine bottles with “I don’t give a sip anymore, I’m retired!” tags
  • Suitcase favor boxes filled with candy
  • Custom guitar bottle opener
  • Custom cookies made to match the theme of your party
  • Custom cake pops

No matter how you choose to celebrate your retirement, one thing is important. You made it! Take your time and enjoy your party guests. The next chapter in your life is waiting for you!

Further Reading

May we suggest the following reads on retirement!

Easy Ways to Become Debt Free Before Retirement with Medicare Life Health
Easy Ways to Become Debt Free Before Retirement with Medicare Life Health
Do I need life insurance in retirement?
How To Start Saving For Retirement at 50 +
Downsizing Tips for Seniors

Downsizing Tips for Seniors

10+ Best Downsizing Tips for Seniors

Getting ready for retirement? Need all that space? Or can you save money by moving? There are our best downsizing tips for seniors.

When it comes to space, sometimes less is better. Less space means less to fill. Less stuff means less money spent, less clutter, and less moving expenses.

Moreover, it means more freedom. Freedom to travel, create and do whatever will make your retirement truly happy and enjoyable.

downsizing tips for seniors medicarelifehealth article

We spend the majority of our working lives accumulating and growing. Retirement gives you the opportunity to slow down and decide what is necessary for your happiness and what is just clutter.

Downsizing in America

By the year 2030, there be about 73 million people in the U.S. aged 65 and over, and many older Americans tend to move into smaller spaces as they age, according to an article in Press Connects. If your plan is to downsize, there’s a lot to accomplish before you can start enjoying your new lifestyle.

If you are looking to save money in retirement, downsizing will do wonders for your budget. This is especially true if you still have a mortgage to pay while retired. Depending on your home equity, downsizing could allow you to buy a paid off smaller living space, or significantly reduce your mortgage.

10 Best Downsizing Tips for Seniors

Downsizing your living space is one of the best ways to not just save money in retirement, but also to give you a fresh start. Here are the best downsizing tips for seniors as you enjoy retirement.

Here are a few tips to make the adjustment go smoothly:

Tip 1: Give yourself plenty of time

It’s best not to rush the downsizing process. Give yourself several months to go through your possessions and decide what you want to do with them. Usually that means deciding to keep them, sell them, donate them or throw them away. It’s best to start this process well before you move everything to a new place, so you don’t have to end up doing it twice. Consider how much you own, what your current schedule is like and how much you’ll need to downsize when you’re coming up with a timeline

Tip 2: Set small goals

Downsizing is a big job, so it’s best to tackle it in small steps. This can mean deciding to clear out one room of your home at a time, or donating a certain number of boxes to your local thrift store each week. Regardless of how you decide to measure your success, be sure your goals can be easily accomplished within a few days so you don’t feel overwhelmed.

Downsizing Tips for Seniors from

Tip 3: Have a vision for your new home and lifestyle

If you want to retire to Florida, don’t hold on to all your winter coats. Or, if you know you’ll be traveling more, consider getting rid of large pieces of furniture that you probably won’t be using that much. Just because an item is serving you well now, doesn’t mean that it will be practical for your new life in retirement.

Tip 4: Start by getting rid of duplicates

Who needs three pairs of tweezers? We can accumulate a lot of random things over the years, and sometimes we end up owning duplicates of the same items. Choose the one that’s in the best condition and donate or sell the rest.

Tip 5: Try the Marie Kondo method

If you’re not sure whether to keep something or not, take a note from professional organizer Marie Kondo. She recommends only keeping items that “spark joy” in you. If you see an item and it floods you with happiness, or you’re excited about finding it, you should keep it! On the other hand, if an item just doesn’t excite you, you can get rid of it without feeling much guilt.

Tip 6: Set a day aside each week to downsizing

You’ll never get all your downsizing done if you don’t give yourself time to do the work. Try setting aside one day each week to work on your downsizing project. Invite people to come help you, or set up arrangements to have some items hauled away. That way things are done all on one day instead of disrupting your weekly routine.

Tip 7: Take note of things you’ll be moving

If you have items you know you’ll want to take with you, be sure they’re properly labeled and packed. Invest in good quality storage containers and labels so things are easy to find and stay safe through your move. This will come in very handy if you need to keep more things in storage when you move to your smaller home.

Tip 8: Give yourself mini deadlines

Hold yourself accountable by giving yourself deadlines. For example, give yourself the goal of having the garage cleaned out by September, or get your washer and dryer donated by the end of the weekend. This helps keep things moving in small, easy-to-manage steps.

Tip 9: Keep it fun

Moving is never really all that fun, but you can still find ways to make it a little entertaining. Maybe you can give yourself time at the end of the day to reminisce over old photos you find, or let yourself take a break and enjoy an old record you forgot you owned. There’s nothing wrong with taking a few breaks here and there to relax and enjoy the process.

Tip 10: Don’t get discouraged

If you feel like you own too much stuff, you’re not alone. According to a recent survey, 60% of seniors said they owned more things than they need. The same survey found that 75% of seniors felt somewhat or very reluctant to move due to the number of things they own. It’s certainly not an easy process to downsize, but simplifying your life can open you up to entirely new possibilities in the future.

Bonus Tip: Becoming a minimalist

It is never too late to change your relationship to your possessions. Minimalism is a movement that goes hand-in-hand with downsizing for seniors. Moreover, older people all over the world are embracing minimalism.

Minimalist Living

Conclusions on Downsizing Tips for Seniors

Moving on to the next phase of your life is exciting, but no one ever tells you how much work retirement is. Taking your journey one step at a time, and being kind to yourself will go a long way in helping you reach your goals.

Extra Ways to Save Money In and For Retirement

Cash Budgeting and the Envelope system provide an easy way to save money

Cash flow is king in retirement. In addition to downsizing, check out these other articles offering ways to save money, and earn extra money, in retirement: