退休和离婚:你需要知道的
What happens to retirement funds in divorce depends on steps you take to outline your goals and short- and long-term plans.
Divorce affects every aspect of your life, and it can be especially challenging to your finances. 离婚家庭的平均收入是 30% lower net worth than a non-divorced household and a 7% higher risk of not having enough money to last through retirement.
Because divorce can create both long- and short-term financial planning challenges, it's important to think through what happens to retirement funds in divorce and figure out how to build up your own safety net with a new estate plan. Follow these tips to navigate divorce and retirement planning.
评估离婚后的财务状况
Pension and retirement accounts are considered community property in many states, and contributions made during marriage may be split 50-50. Ask your attorney what happens to retirement funds in divorce settlements w在这里 you live. Also, take stock of other ways divorce may affect your new budget. Will you pay or receive spousal or child support? 你的 pp王者电子官网费用变动? 你会有持续的律师费吗? Will separate households increase your living expenses?
重新计算你的退休目标和需求
With your new budget and remaining retirement assets in mind, 重新计算你退休需要多少钱. Tailor your career and savings plans appropriately. Younger people may have time to save and make up for losses. 那些在职业生涯中后期离婚的人, 然而, may need to find ways to reduce expenses and increase income or delay retirement.
考虑你的退休储蓄选择
Divorce is an opportunity to reevaluate w在这里 you put your retirement dollars. Employer-offered retirement plans are a logical choice, especially if they offer a matching contribution. 传统和罗斯个人退休账户 两者都提供税收优惠.
别忘了医疗保健
Medical expenses can quickly drain your retirement savings as you age, 医疗pp王者电子官网不包括长期护理. Talk to a financial advisor about long-term care insurance, which may help you preserve more of your wealth. A 健康储蓄帐户(HSA) could also be a smart way to save for future medical expenses.
Divorce can have a significant effect on your finances, but it doesn't have to derail your retirement plans. Thoughtful planning and smart choices after divorce can help you quickly rebuild a bright new future.
