Top 4 Places To Retire When You Have A Lot Of Life Left In You

Now that you have finally retired after decades of working, some people might think you are ready for a rocking chair on the front porch. However, you know better. 

Since you are only as old as you feel, you realize you've still got plenty of life left in that body of yours. With so many places to go and people to see, it's important to pick a retirement destination that lets you do that and much more. 

To make your retirement one that is fantastic day after day, here are four great places to enjoy your retirement.

Sarasota, Florida

If you want white-sand beaches, a walkable downtown, and plenty of things to do near your home, Sarasota may be the place for you. A major tourism spot in Florida, the city is filled with museums, art galleries, and restaurants that serve every kind of food you can imagine. 

When combined with low property taxes, almost nonexistent crime, and a large retiree community where you can make plenty of friends, Sarasota is hard to beat.

Myrtle Beach, SC

While many places may not be able to compete with Sarasota, Myrtle Beach is an exception. Home to about 30,000 permanent residents, this South Carolina paradise has golf courses galore, lots of festivals, and much more. 

Best of all, when you are exploring Myrtle Beach Premier Properties, you'll find out property taxes are low, the state offers a homestead exemption for residents over age 65, and plenty of other financial benefits.

Manchester, New Hampshire

Should you want to retire to the northeastern part of the U.S., Manchester is a New Hampshire city you may want to consider. Surrounded by mountains and forests, the fall foliage is spectacular. 

If you love wintertime and perhaps want to do some skiing or other winter activities, Manchester gets about 60 inches of snow annually. When it's not snowing, plan on visiting local farmers’ markets and retail shops on Main Street.

Nashville, TN

Finally, you can spend your retirement hanging out at the Grand Ole Opry and other spots in Nashville. Long known for being the country music capital of the world, Nashville also features over 100 public parks, museums and restaurants, and pro football and hockey teams you can cheer on when attending their home games.

Since you have no plans to sit in that rocking chair and count cars as they go by your home, consider any of these great retirement destinations. Whichever one you choose, your days and nights will be filled with plenty of fun activities.

How to Live Debt Free so You Can Retire with Peace of Mind

Escaping debt can feel like a breath of fresh air. When you are starting to plan for your retirement, one of the best ways for you to prepare is to start mitigating your debt. If you are not sure where to begin, however, following some of these guidelines can be crucial for your future.

Live According to Your Means

Perhaps one of the most obvious and immediate pieces of advice that all individuals should do their best to follow is to reduce their spending. One of the best ways to avoid further debt is to live according to your means. 

Make a list of all of your monthly payments and make sure that they are only things that you need. This means taking a look at your hobbies and seeing where you can afford to reduce your spending.

Look into Immediate Debt Settlement

Bringing experts in to discuss your debt can allow you to get all of your smaller accounts settled as quickly as possible. Basically, a good debt settlement program will allow you to work with expert negotiators to discuss terms with creditors on your behalf. 



They use various negotiation strategies to allow you to pay less on your unsecured debts. These can include credit cards, payday loans and other, smaller unsecured debts based on your situation.

Make Extra Mortgage Payments

Another excellent way to plan ahead for your debt-free future is to try to pay off your mortgage, or car or student loans, as early as possible. This means taking the time to plan out how much money you owe to your lender and pay a little bit extra every month. 

This will allow you to pay off your mortgage sooner and save money in the long-term on your interest payments. Set aside as much as you are comfortable paying on a regular basis.

Set a Goal

Setting goals can be one of the best ways to adjust to your needs. Think about some savings goals that you may have for your future. Do you want to have a certain amount of money saved up before you can retire? Is there a certain degree of debt you want to leave behind before you start planning? Work with financial planning tools to reach your goals faster and easier.

No financial situation is ever the same. Establish a reliable degree of flexibility in your goals in order to see the most efficient results. Always take things at an easy pace to ensure that you are stable during your debt mitigation journey.

Planning for Retirement? 5 Tips to Help You Retire in Comfort

The time to start planning for retirement is now. The only people who are exempt are those who have 25 times their annual expenses saved, as they would already be ready to retire based upon their current savings as long as they do not inflate their lifestyles. Those who do not fall into this category should plan ahead. Here are five tips to help you get started if you’re in that boat.

Start Now

If you want to have a good and comfortable retirement, living the lifestyle you want to live, then you need to start planning for retirement sooner rather than later. There’s an old Chinese proverb that says that the best time to plant a tree is ten years ago and that the second best time is today. 

If you’ve not yet started by getting a financial checkup with a group like Trajan Wealth or another financial planning firm, the time is now. It’s a good idea to just see where you stand in regard to your overall financial health.

Plan for Taxes

There are quite a few ways that those who hope to retire can cut their tax bill. Using a tax-deferred retirement account is one way to cut your tax bill in the present and ensure more of your dollars actually go toward your financial goals. 



If you expect to have a higher income in retirement, a Roth account might be a better option to cut down on your tax bill in the future.

Take Social Security into Account

Some people have fear that Social Security will not be around much longer. This is not likely. It is, however, likely that there will have to be benefit cuts in the future if other adjustments are not made. 

Figuring out when the best time to take benefits for your particular situation is imperative to make sure that you’re able to retire as comfortably as possible. With all of this said, you do not want to rely on solely collecting social security in your retirement.

Consider Insurance and Annuities

Some whole life insurance policies can provide income in retirement. They are essentially long-term savings accounts that allow the insurance company to make investments on their policyholders’ behalf. 

Over time, this can add up to a nice sum that can be drawn upon during retirement. Annuities provide annual income for those who purchase them. A wealth management expert can help you navigate which of these options will work best.
Stay Invested

The longer your money stays invested, the longer it has time to compound. Compound interest has been called the eighth wonder of the world, and it can really add up. Even relatively small investments can grow to large sums over time, but the investments have to stay invested for the long haul. 

You also want to make sure that you have a few different investments as well. Keep in mind that investments can be very risky, but they should be calculated risks. If you have made a few smart investments, you will likely be better off than just making one big investment.

Starting retirement planning is imperative. It is never too early to start planning for retirement. The longer you wait, the harder it will be to have the money you need to retire in comfort and for the lifestyle you want to have. 

Those who follow these recommendations are more likely to enjoy a great retirement. While you might not be able to hit all of these mileposts, hitting some of them will be better than none. They can help you retire more comfortably.