如何评估你的退休计划

 　　As you get closer to retirement¹, it's a good idea to evaluate your current retirement plan. If you put together an estimate of your expected income and expenses during retirement, you can predict your financial situation once you leave your job. This will help prevent you from getting caught off guard by future expenses. This process also lets you adjust your current financial plan should you discover that your current resources are not enough to meet your needs. Taking the time to properly evaluate your retirement plan can make a significant improvement to your future lifestyle.

　　Instructions

　　1. List your current household monthly expenses. You can use these costs to estimate your spending in retirement.

　　2. Do not underestimate your expenses in retirement. While some bills, like your mortgage, might be paid off by retirement, they could be replaced by other costs, such as higher medical bills. It is recommended to plan for 80 to 100 percent of your current expenses during retirement.

　　3. Add all your expected sources of income during retirement to calculate your total expected income. This includes Social Security payments, income from your investments and payments from your retirement plans.

　　4. Subtract your expected retirement expenses from your retirement income. The result gives an idea of your current retirement situation. If your expenses are lower than your income, you are in good shape. If your expenses exceed your income, you need to make some adjustments to your plan.

　　5. Consider delaying your retirement. This increases your Social Security payments and gives more time for your investments to grow. If you do not want to work full-time² at your planned retirement age, look into part-time or consulting work.

　　6. Review your options for a reverse mortgage on your house. A reverse mortgage can supplement your other income to meet your expenses.

　　7. Meet with a financial planner to further evaluate your retirement plan. A financial planner can help you predict your future financial situation and give you ideas on how to manage your money during retirement.

1 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

2 full-time   

adj.满工作日的或工作周的，全时间的

参考例句：

• A full-time job may be too much for her.全天工作她恐怕吃不消。
• I don't know how she copes with looking after her family and doing a full-time job.既要照顾家庭又要全天工作，我不知道她是如何对付的。