• Retirement Planning for Your Health

  • by Crystal Tillett

Planning for the financial part of your retirement is important, but so is planning for your health. If you get badly injured or are diagnosed with a serious disease, all of your financial preparation could go out the window with even one hospital bill. Besides the expenses that may come with poor health, it will also be hard to really sit back and enjoy the years off that you have earned. You worked hard for this retirement the majority of your life; don’t let poor health ruin it. Below are a few tips to consider when you are planning for your health after retirement.

Talk to Your Doctor

As we get older, we realize that our bodies cannot handle the same amount of stress, physical exertion, and all around activity as when we were younger. To start your new journey of wellbeing, talk to your doctor about your current state of health. Evaluate anything that has come up at check-ups and schedule regular visits. Even if this discussion is just to get recommendations on improvements to your lifestyle, it doesn’t hurt to acquire as much information about your health as possible and have your questions answered.


One crucial part of staying healthy as you get older is exercise. It can improve your sleep, boost your mood and even enhance your flexibility and strength to reduce falls. It helps keep muscles and joints strong so you’re your retirement can filled with vacations and getaways instead of visits to the doctor. When you incorporate exercise in your daily life, it can become habit.

Sticking with fitness and having it become a habit can be hard. A good way to make sure you get some sort of activity in weekly is to make a schedule. Set dates and times for when you can work out, and stick to it. Choose activities you enjoy doing so you will look forward to your workout. Focus on short term goals to stay motivated. Exercise within your means by considering your health concerns and disabilities. Always stop your workout if you experience pain, dizziness, or swollen joints.

If exercising on a hard surface is difficult for you or you have a disability, try limited-mobility fitness or low-impact exercises like water aerobics. The water from the pool adds resistance so that you can build strength throughout your whole body

Eat a Healthy Diet

With retirement comes a lot of free time, depending on what your hobbies will include. Traveling is very popular after you retire and when you travel, you tend to eat out a lot. If you can, try not to eat out so much. Not only does it burn a hole in your wallet, but a lot of foods we choose to eat at a restaurant are high in fat and sugar and tend to hurt us in the long run. Foods high in fat can contribute to obesity, heart disease and other health issues that are detrimental to your healthy retirement. It is beneficial to your health to put the right kind of nutrients in your body, stick with whole grains such as wheat bread and wheat pasta or fiber rich fruits and vegetables.

Please consult your doctor before making any drastic changes to your diet. This article is for informational purposes only.