By Moshe A. Milevsky
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Otherwise, a court battle could erupt over their care, and their money would be turned over to them at age 18—which is way too young to handle a big lump sum of cash. Even if you don’t think you need a will, you do need three things: • A durable power of attorney for finances, which allows you to name someone to make financial decisions for you if you’re incapacitated • A durable power of attorney for health care, which allows you to name someone to make medical decisions for you • A living will, which tells your doctors what kind of end-of-life care you want if you are terminally ill and incapacitated These documents can make an enormous difference in the quality of your life while you’re still around to care.
Stated differently, if your income gap is a mere 15% of your projected income needs, then you do not need to get any insurance or other forms of guarantees and protection. For many people though, an 85% replacement rate from pensions and Social Security, is not very likely. 1 for a graphical illustration of this calculation. Now, let’s move to the asset side of your personal balance sheet and the investment assets that are available to close the income gap. Presumably, you have by now converted most of your human capital into financial capital, which is your financial nest egg.
In his book Free Agent Nation, Daniel Pink looks at burgeoning movement of retirees who are reinventing themselves at a traditional retirement age. ] sixty-plus Americans are becoming freelancers, micropreneurs, self-employed knowledge workers, temps, home-based businesspeople, and independent professionals. ”1 The new frontier of building professional opportunities for yourself comes from connecting with communities of your peers who are also engaged in your career. These communities often develop online, sharing resources and making themselves ever more open to opportunities of all stripes.
15 Expert Lessons for Retirement Planning by Moshe A. Milevsky