10 Steps to Get You Ready for Retirement

Step 9: Prepare for the Unexpected

Few of us head into retirement expecting the worst. But sometimes it happens. Prepare for the unexpected now and you won't get caught off guard later. Taking time to consider how you'd pay for — and respond to — everything from minor issues like a roof leak to serious ones like a grave illness will help you weather those storms when they come. Discuss the big issues with your family or those closest to you. How much would it cost to make major repairs? What would you want to do (or what care would you want) if there was an illness in the family?

Next, take stock of your protection. Do you have enough homeowner's insurance to cover a major calamity? Is your health insurance or long-term care insurance adequate? If your insurance coverage lacks some things, now is the time to increase it. Put money aside for the unexpected. Preparing now means you won't pay later.

Step 10: Stick to Your Plan (Our Community Can Help)

This step may be challenging but it's definitely rewarding: sticking to your plan. We humans are creatures of habit and it's common to revert to old habits after trying a new course. We have ways of helping you avoid that. Joining our online community will connect you with others going through the same life changes.

The community holds a wealth of information, ideas and tips, and for many is a source of comfort and strength. So join now, build your profile, share photos and even publish a blog. Use the community to tell us how we can help you realize your dreams so you and your family can enjoy the retirement you so richly deserve.