An estimated 4 million people retire each year in America. For some, that means leaving behind the working world for good. For others, it’s more of a gradual transition. Some retirees are fully ready to shed all of the responsibilities they’ve carried on their shoulders for their entire adult lives. Others just aren’t ready to let go yet. Whereas some people plan to stay as active as possible after retirement, others are more interested in taking on a much slower pace.
No matter what your plans are for your golden years, countless new experiences lie ahead. Your goals, requirements, and health are going to evolve, and the neighborhood you’ve been calling home may not offer everything you need to keep up with those changes. For many people, a retirement community is the answer. Keeping the following considerations in mind can help you find the perfect place to spend your retirement.
Different Types of Retirement Communities
First of all, it’s important to understand that there are different types of retirement communities. Independent living communities are for seniors who need little to no help with everyday activities. They’re designed for those who are healthy and active but want a low-maintenance lifestyle. Assisted living communities are geared toward the needs of seniors who need extra help with daily activities of living. Continuing care retirement communities offer services and support that change along with the needs of their residents as they age.
Consider your needs right now and how they’re likely to change in the future. If you’re in the early stages of dementia or living with another type of degenerative disease, a CCRC may be the best option for you. If you need light to moderate help with certain activities of daily living, an assisted living community may meet your needs. If you want freedom without the typical responsibilities of homeownership, an independent living community may be for you.
Location
After deciding on the type of retirement community that would best meet your needs, you’ll need to choose a location. If you’re currently living near your children and grandchildren or you have close friends nearby, you may want to stay relatively local. On the other hand, if you have your sights set on retiring to a specific corner of the country, you’ll want to look for communities in that area.
Maybe you want to move to a warmer climate so you don’t have to deal with long, harsh winters. Perhaps you’d like to pack up and move to an entirely new area just for a change of scenery. Decide where you want to spend your retirement years, and find a community there.
Your Budget
If you’re like most people, your budget will also factor into the equation. The cost of senior living varies greatly depending on where you move, the type of community you choose, and many other variables. In general, these communities range from $1,500 to $10,000 per month. Keep in mind that meals, maintenance, certain utilities, and other services are included in that price. Think about how much you can spend, and find a community that falls in line with your budget.
Choosing the Best Retirement Community for You
Life changes after retirement, and moving to a retirement community will be a transition in its own right. Choosing a community that’s tailored to your needs and lifestyle, in the area you want, and within your budget will help make your journey smoother and more enjoyable. Different types of retirement communities are available. Each one has its benefits and is designed to meet different needs and expectations. One of them is sure to be just what you’re looking for.
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