How To Save For Retirement Without A 401k
Written by Brian B

How To Save For Retirement Without A 401k

How can you save money for retirement without having a 401k plan? Let’s look at a few options!

Saving For Retirement Without A 401k Tips

There are plenty of alternative ways to save money for individuals without a 401k. Most freelancers and self-employed workers have no 401k offering, yet there are five easy tips to follow for saving towards retirement.

Tip 1. Save Tax Refunds

The easiest way to begin saving money is by putting away your entire tax return as soon as you receive it. Make a habit of doing this every single year, if you can afford to do so. There are a few different ways to save or invest this return each tax season. IRS form 8888, for example, will allow taxpayers to deposit the refund directly into two of more savings/investment accounts.

Tip 2. Open An IRA

One of the more popular options for employees without a 401k plan is opting to open an IRA. A Roth IRA or a traditional IRA will prove beneficial in the long run. Another important piece of information about these plans is they are not an exclusive offering. Any individual currently earning an income is free to open an IRA. This includes both unmarried individuals and individuals who are married to a spouse earning an income. Most freelancers or self-employed workers choose to open an IRA.

Tip 3. Contribute To A CD

Another options for individuals without a 401k is opening a certificate of deposit (CD). The biggest benefit of opening a CD is that you are free to withdraw your money on demand, in most cases. This is great in the event you run into some sort of pressing financial situation or medical emergency. CDs are also insured by the federal government to never lose value.

Tip 4. Self-Employed 401k Plan

Also known as a solo 401k, a self-employed 401k plan allows you to contribute twice. This is possible because you are allowed to contribute both as an employer and employee. As long as your total earnings does not surpass $19,500, you can contribute up to 100% of your yearly income. When contributing as the employer, though, you can only contribute up to 25% of your yearly income. Spouses of participants of this plan are also eligible to open a self-employed 401k.

Tip 5. Health Savings Account

Whether or not you have chosen to open an IRA or contribute to a CD, you should consider the idea of opening an additional health savings account. A health savings account (HSA) has many benefits, including tax-free withdrawals and growth potential. After the age of 65, you are eligible to take money out of this account with no penalties.

When Should I Start Saving For Retirement?

The financial experts say that everyone should begin saving as soon as they can, of course. While this seems to be a case of easier said than done, there are many available savings options for young people. A great rule of thumb is to put away 10% of your monthly income each and every month. For example, putting away 10% of your $5,000 monthly income will lead to $500 in savings. $500 saved each month for a year will equate to $6,000 in yearly savings. Not a bad start at all when it comes to saving for retirement!

Starting the savings process in your 20s will help cover you for any stock market dips. Charles Schwab conducted a recent survey which revealed that Americans believe they need to save $1.7 million by age 65. If this is the target figure, it means you will have to save a minimum of $500 per month, beginning at age 25.

Saving this amount of money monthly can be unreasonable in many cases. Many 25-year-olds are just starting out in the job market. Others may be struggling to pay off student loans and/or raising a young family. If you decide to kick your retirement savings days down the road, then the amount you’ll have to save each month will undoubtedly increase.

Average Age When Americans Start Saving For Retirement

According to Morning Consult, these are the average age groups when Americans start saving for retirement:

  • Ages 20-29: 39%
  • Ages 30-39: 25%
  • Ages 40-49: 15%
  • Ages 50-59: 6%

Retirement Savings

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

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When Might Be The Best Time To Start Saving For Retirement
Written by Brian B

When Might Be The Best Time To Start Saving For Retirement?

The first step towards retirement is saving as much money as possible. When is the best time to start saving, though? We’re here to provide some tips on saving towards retirement.

When To Start Saving For Retirement

The financial experts say that everyone should begin saving as soon as they can, of course. While this seems to be a case of easier said than done, there are many available savings options for young people. A great rule of thumb is to put away 10% of your monthly income each and every month. For example, putting away 10% of your $5,000 monthly income will lead to $500 in savings. $500 saved each month for a year will equate to $6,000 in yearly savings. Not a bad start at all when it comes to saving for retirement!

Starting the savings process in your 20s will help cover you for any stock market dips. Charles Schwab conducted a recent survey which revealed that Americans believe they need to save $1.7 million by age 65. If this is the target figure, it means you will have to save a minimum of $500 per month, beginning at age 25.

Saving this amount of money monthly can be unreasonable in many cases. Many 25-year-olds are just starting out in the job market. Others may be struggling to pay off student loans and/or raising a young family. If you decide to kick your retirement savings days down the road, then the amount you’ll have to save each month will undoubtedly increase.

How To Save Money

Perhaps you are already out of your 20s and you haven’t started saving for retirement yet. Experts suggest the next best time to begin saving money is now! At this point, putting away any dollar amount you can afford is a good start. If possible, jump on your employer’s 401 (k) plan as soon as possible. Opening a traditional IRA can provide even more investment opportunities than the typical 401 (k) plan. An IRA comes with a $6,000 contribution limit for anyone under age 50.

Fortunately, there are a few other ways one can save money for retirement. Begin by putting away any unexpected or extra cash flow. This could include anything from birthday checks to bonuses. Try avoiding any luxury purchases until you know for sure that you can afford it. Put away any and all spare change for the time being. Picking up a part-time job could also prove beneficial towards retirement savings.

Retirement Savings

Average Age When Americans Start Saving For Retirement

According to Morning Consult, these are the average age groups when Americans start saving for retirement:

  • Ages 20-29: 39%
  • Ages 30-39: 25%
  • Ages 40-49: 15%
  • Ages 50-59: 6%

Tips For Spending Less Money And Saving For Retirement

One important thing to do when saving for retirement is to examine your current spending habits. Here are three simple ways to save right now:

Re-Consider Big Purchases

All large purchases need to be thought about for long periods of time. Can you make do without that new car or home renovation? If an upgrade is needed, consider some low-cost alternatives. The money you save today could be used tomorrow in your retirement.

Consolidate Your Credit Card Debt

Shifting some of your higher-interest credit card debt to a lower-interest debt consolidation loan could undoubtedly leave you with some additional savings to put towards your retirement fund.

Decrease Your Credit Card Debt

Easier said than done, but decreasing your credit card debt today is crucial. Here’s a tip: pay your credit card bills in full every month to avoid any interest charges. If that’s not possible at this point, work to pay down your credit card debt as quickly as you can.

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

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Best Low Stress Jobs After Retirement
Written by Brian B

Best Low Stress Jobs After Retirement

Are you looking for some work after retirement, yet want to keep the stress to a minimum? Here are a few of the best low stress jobs after retirement.

Tour Guide

There may not be a more relaxing and enjoyable job after retiring than guiding tours. With this role, you’ll likely be interacting with fun and excited tourists. Share your knowledge of the area or certain landmarks as a paid tour guide. A great benefit of this job is the flexible hours since most tours will run at nights or on the weekends.

Data Entry

Perhaps working as a tour guide doesn’t appeal to you since you’ll have to leave the home and interact with lots of people. If you’re instead interested in working from home, then a data entry position could be a perfect fit. Data entry appeals to many because you won’t have to deal with customers all day, unlike customer service representatives. All you might need for this position is a laptop and basic computer skills.

Customer Service Representative

Many people do miss the social interaction that was created in the workplace. For these type of retirees, customer service roles are ideal. In these positions, you will either speak with customers on the phone or interact with them online. A large majority of these positions went remote during the pandemic, so there should be many openings.

Career Coach

The younger generation is constantly seeking career advice. That is where you could come in! Consider the idea of helping those in need of career coaching. If you’ve seen it all during your working days, then share your knowledge, including resume and interview tips. Online video platforms like Zoom and Skype can be used to do this job from home.

Career Coach

Writer

Previous experience or not, writing can be a great outlet for retirees. For those looking to start out writing, there are plenty of online opportunities. Some gigs may not pay at first, but the experienced gained will come in handy. Consider performing the role of editor if you have years of experience.

Musician

You might have ditched many hobbies once your career took off, but retirement is the time to pick those fun hobbies back up! If playing an instrument was a big part of your past, you can now implement it into your present and future, as well. Place an ad or look for any musicians wanted in the local area. Sure, the pay might not be great, but this is about the joy of music.

Pet Sitting

There are many ways to get more animals in your life. Thanks to numerous websites and applications, dog walking or pet sitting is just a click away. Busy adults nowadays are looking for people to walk their dog(s) during the workdays. You can even offer to watch the animals overnight.

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

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Retiring In Arizona Pros And Cons
Written by Brian B

Retiring In Arizona Pros And Cons

More and more retirees are flocking to Arizona for the plethora of sunshine, strong economy and scenic views. If you are currently searching for “retiring in arizona pros and cons“, this will be your guide!

Retiring In Arizona Pros

  • Pro #1: Most Sun In The U.S.
  • Pro #2: Less Tax Burdens
  • Pro #3: Low Cost Of Living
  • Pro #4: Scenery
  • Pro #5: Sporting Options

Find out why so many retirees are deciding to call Arizona home!

Most Sun In The U.S.

This is not an exaggeration, this is a fact! According to the NOAA, Arizona residents experience more sunny days than anyone in the country. And this includes the sunshine state of Florida! Arizona typically experiences 299 sunny days per year. The rest of the U.S. averages only 205 sunny days each year.

Less Tax Burdens

Arizona offers less tax burdens for residents compared to other states. Allowing residents to keep as much of their income as possible has helped the valley grow exponentially for several decades.

Low Cost Of Living

Arizona boasts an extremely strong economy and a low cost of living, at the same time. This state remains one of the most affordable states to live in across the country, according to BestPlaces. Whether you are looking to move into a small studio apartment or large home, the chances are high you’ll pay less in the valley of the sun. Combining the low cost of living and strong economy/job market, and Arizona is the ideal place for any retiree.

Scenery

Arizona offers much more than gorgeous sunrises and sunsets. The valley of the sun is home to some of the best scenic hiking trails in the world. Sedona is home to the famous red rocks, plus mountain ranges, lakes and desert beauty can be seen all over the state.

Sporting Options

Known as a golfer’s paradise, the valley offers many world-class resorts and destinations. From Sedona to Tucson, retirees’ can enjoy their favorite hobby in style. The PGA’s Waste Management Phoenix Open is played annually in Scottsdale, as well. There’s more than just golf in Arizona, though! Residents also enjoy watching teams in all four major sports, including the Diamondbacks (MLB), Cardinals (NFL), Suns (NBA) and Coyotes (NHL).

Sedona Arizona

Retiring In Arizona Cons

  • Con #1: Extreme Heat
  • Con #2: Snowbirds
  • Con #3: Monsoons/Haboobs

Read more about a few drawbacks of living in the valley.

Extreme Heat

From October to April, it’s nearly impossible to find a more comfortable place to call home. The summertime, though, can bring some extreme heat to the area. Arizona frequently hits triple-digit heat during summer days. The good news is an escape is not far away! If you live in Phoenix, a short two-hour drive north can get you to Flagstaff, where the month of July experiences an average temperature of 82 degrees.

Snowbirds

Many people, especially retirees, desire a place like Arizona because it seems very isolated and secluded. This is certainly not the case during the cooler months. This time of the year will bring a lot of tourists to the area. Known as “snowbirds”, these tourists will cause an increase in traffic from October to April.

Monsoons/Haboobs

Every area experiences inclement weather, and the valley is no exception. June to September is Arizona’s monsoon season, where residents will experience strong winds and rainstorms. Haboobs, which are large dust storms, generally follow in the monsoon’s footsteps.

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

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Is Arizona A Good Place To Live
Written by Brian B

Is Arizona A Good Place To Live

What should you know about Arizona besides the Grand Canyon? Well, for starters life in Arizona features far more beauty than one of the seven natural wonders of the world.

In fact, the red rocks of Sedona, Horseshoe Bend and Saguaro National Park are just a few tastes of the scenic views offered in the valley of the sun. Phoenix was recently ranked as the 5th-largest city in the U.S., and it continues to grow each day. With more and more people choosing to move to Arizona, here is a look at some of the pros, cons and best spots to call home!

Pros And Cons Of Living In Arizona

Here are a few of the biggest advantages and disadvantages of life in Arizona:

Pro: Low Cost Of Living

According to BestPlaces, Arizona is more affordable than the majority of the country. Whether you are looking for a small studio apartment or large family home, chances are good that you’ll pay less than expected in the valley of the sun. Combine the low cost of living with the state’s booming economy and strong job market, and the future is certainly bright in Arizona.

Con: Summer Heat

From October to April, it’s nearly impossible to find a more comfortable place to call home. The summertime, though, can bring some extreme heat to the area. Arizona frequently hits triple-digit heat during summer days. The good news is an escape is not far away! If you live in Phoenix, a short two-hour drive north can get you to Flagstaff, where the month of July experiences an average temperature of 82 degrees.

Pro: Sunny Days

The state of Arizona gets 299 sunny days per year, which is the most in the entire country. Even the sunshine state of Florida does not receive as much sun as Arizona. Get a healthy dose of vitamin D when you move to the valley of the sun.

Con: Lots Of Tourists

Many people, especially retirees, desire a place like Arizona because it seems very isolated and secluded. This is certainly not the case during the cooler months. This time of the year will bring a lot of tourists to the area. Known as “snowbirds”, these tourists will cause an increase in traffic from October to April.

Pro: Scenery

Arizona offers much more than gorgeous sunrises and sunsets. The valley of the sun is home to some of the best scenic hiking trails in the world. Sedona is home to the famous red rocks, plus mountain ranges, lakes and desert beauty can be seen all over the state.

Con: Rattlesnakes

This is probably something you already know about Arizona. Yes, rattlesnakes live in the Arizona deserts. While you are on one of these scenic hikes, pay attention to where you are placing your feet. Arizona averages a recorded 150 rattlesnake bites per year.

Best Cities To Live In Arizona

Beyond the bigger cities like Phoenix and Tucson, Arizona has many other hotspots that continue to attract residents, including:

Youngtown, AZ

This town’s fascinating history quickly made it a favorite for retirees. Incredibly enough, Youngtown is actually the oldest retirement community in the U.S. In the mid-1950’s, developers began on an ambitious project: create the country’s first-ever planned community solely for retirees. The name Youngtown was, of course, ironically planned. Measuring just over a mile in total area, Youngtown boasts a small population, filled with the best retirement communities in the entire country. From November through April, the weather is nearly perfect, with average temperatures ranging from 76-86 degrees.

Peoria, AZ

Peoria is located northeast of Phoenix and Glendale. Due to a plethora of available land, Peoria is home to many top-notch retirement communities. Enjoy scenic views daily, and check out the Salt River which flows right through the city. Peoria’s crime rate is below the national average and the climate is ideal; topping out at 94 degrees in the month of July. Money Magazine recently named Peoria as one of the top 100 places to live.

Surprise, AZ

With a population of more than 135,000, Surprise continues to grow each year. Featuring low humidity and tons of sunshine, it’s no wonder why so many retirees are flocking to Surprise. Enjoy a much lower cost of living here, when compared to both Scottsdale and Phoenix. Sports lovers will know how special this place is. Whether you want to hit the links or catch a baseball spring training game, Surprise is the spot for you!

Sedona, AZ

You will not be able to find a more scenic location to call home than Sedona. More than six million acres of red-rock beauty surround some of the best retirement communities in the state of Arizona. Countless old western films were shot in this beautiful city, about two hours outside of Phoenix. If you are a retiree who enjoys outdoor activities, you can’t find a better spot than Sedona. Enjoy horseback rides, jeep tours and scenic hikes all throughout the year. The only downside of living in Sedona is the rising real estate costs.

Sedona Arizona

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

More Articles About Senior Living

Best Places To Retire In Arizona
Written by Brian B

Best Places To Retire In Arizona

If you are looking for the best cities in Arizona to call home, we’re here to highlight five of the best places in the valley of the sun!

Best Cities To Retire In Arizona

Sedona, AZ

You will not be able to find a more scenic location to call home than Sedona. More than six million acres of red-rock beauty surround some of the best retirement communities in the state of Arizona. Countless old western films were shot in this beautiful city, about two hours outside of Phoenix. If you are a retiree who enjoys outdoor activities, you can’t find a better spot than Sedona. Enjoy horseback rides, jeep tours and scenic hikes all throughout the year. The only downside of living in Sedona is the rising real estate costs.

Retirement Community In Sedona

Sedona Winds, located in the heart of the red rocks, offers stunning courtyard views, along with a 24-hour staff for every need. Settle for this community if you wish to enjoy breathtaking views, daily. General maintenance, weekly laundry and deep cleaning of your apartment, an emergency call system, and a diverse activities program are all included when you choose Sedona Winds.

Mesa, AZ

Mesa is currently the third-largest city in all of Arizona, with nearly 500,000 citizens. Yet, since this city is so spread out, you will never feel like you’re congested living in a place like Phoenix. Nestled up against the Superstition Mountains, Mesa is home to some of the best hospitals in the state. Avid golfers will love Mesa, which features more than 200 world-class courses. You are never far from neighboring cities, Scottsdale and Chandler, as well.

Retirement Community In Mesa

Canyon Winds is a Senior Living Services Community located in Mesa, Arizona. This facility offers plenty of choices for senior citizens of varying needs. One can find more than just assisted living at Canyon Winds, as they also offer independent and memory care services. This resort-style facility is breathtaking, with spacious floor plans and dining areas. A full activity program and fitness center await future residents. Looking to bring a small cat or dog to your new home? Not a problem at all, as every SLS Community is pet friendly!

Mesa Arizona

Youngtown, AZ

This town’s fascinating history quickly made it a favorite for retirees. Incredibly enough, Youngtown is actually the oldest retirement community in the U.S. In the mid-1950’s, developers began on an ambitious project: create the country’s first-ever planned community solely for retirees. The name Youngtown was, of course, ironically planned. Measuring just over a mile in total area, Youngtown boasts a small population, filled with the best retirement communities in the entire country. From November through April, the weather is nearly perfect, with average temperatures ranging from 76-86 degrees.

Retirement Community In Youngtown

There isn’t a more appropriately named setting for this lively community than Youngtown! Monthly rent at Ventana Winds includes three well balanced meals plus snacks, 24-hour staff, and a daily tidying of your apartment. The offerings don’t end there! Personal laundry is done weekly, transportation is provided for appointments or shopping, a 24/7 emergency call system is in place, as well as a full slate of exciting activities. Check out all of Ventana Winds’ offerings today!

Peoria, AZ

Peoria is located northeast of Phoenix and Glendale. Due to a plethora of available land, Peoria is home to many top-notch retirement communities. Enjoy scenic views daily, and check out the Salt River which flows right through the city. Peoria’s crime rate is below the national average and the climate is ideal; topping out at 94 degrees in the month of July. Money Magazine recently named Peoria as one of the top 100 places to live.

Retirement Community In Peoria

Offering assisted, independent and memory care services, Desert Winds is a top-notch community in the valley. Desert Winds offers three types of floor plans for assisted living residents. Whether a two-bedroom, two-bath or one-bedroom, one-bath is what you desire, Desert Winds has a plan for you. Studio apartments are available as well. All of these floor plans can be toured virtually on Desert Winds’ official website. All apartments come fully equipped with individual heat and AC units, a refrigerator, microwave, window treatments and more.

Surprise, AZ

With a population of more than 135,000, Surprise continues to grow each year. Featuring low humidity and tons of sunshine, it’s no wonder why so many retirees are flocking to Surprise. Enjoy a much lower cost of living here, when compared to both Scottsdale and Phoenix. Sports lovers will know how special this place is. Whether you want to hit the links or catch a baseball spring training game, Surprise is the spot for you!

Retirement Community In Surprise

If you’ve lived in Surprise your entire life and want to stay close to friends and family, then Chaparral Winds is the assisted living facility for you! As Chaparral Winds’ website states, this is a community designed to keep a relaxing vibe going throughout the day. A pool and hot tub combined with a beautiful dining area make this one of the premier communities in all of Arizona. Great shopping, golf courses, restaurants and medical facilities are all located within a few miles, which is a bonus for visiting family members.

Retirement In Arizona

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

More Articles About Senior Living

Retirement Party Ideas
Written by Brian B

Retirement Party Ideas

It’s your last official moment to honor your boss, co-worker or friend at the office. One of the best ways to mark their significant transition is to have a retirement party. But, what are the ingredients of a great retirement party? Here is a list of five special party ideas.

Retirement Party Ideas For Co-Worker

Here are five fun ideas for retirement parties:

  • Retirement Party Games
  • Fun Playlist
  • Invite Friends And Family
  • Nostalgic Party Theme
  • Focus On Speeches

Retirement Party Games

Creating a few games as part of the retirement party is an absolute must. One of the best ways to put together some sort of game is by coming up with a trivia challenge. Often at retirement parties co-workers will write out questions that relate to the retirees’ work life and accomplishments. Having the honoree either answer all the questions or sit back and listen to co-workers guess will create a fun and inviting atmosphere at the party.

Fun Playlist

What is a party without a little music? Set the tone for what’s to come in the retirees’ life by creating a fun playlist. Send him/her off with a number of classics related to retirement. Songs like “Take It Easy,”  “When I’m Sixty-Four,” and “Don’t Worry, Be Happy” are perfect for the relaxing years in the future. Of course, popping a few of the retirees’ all-time favorite songs into the playlist could be a hit, as well.

Invite Friends And Family

Commonly overlooked at these parties, inviting friends and family to the affair can make the moment even more memorable. Great workplaces can begin to feel a lot like home, and co-workers become family. Invite real family to the party to show just how much he/she meant to the office culture all these years. Involving family can help others get an even better understanding of the person you are honoring. A confident family member may even decide to give a speech, which could become the highlight of the night.

Nostalgic Party Theme

A retirement party is the perfect time to look back and reflect on all that has transpired over the years. Picking a unique theme for the party can take the event to the next level. The nostalgic theme can take a worker back to the era they first started at the company or began working in the first place. Costumes are a great way to get everyone involved and transported back to the past. Brainstorm a theme with co-workers who know the retiree best!

Focus On Speeches

Most traditional retirement parties may either start or conclude with thoughtful speeches given by co-workers, friends or employees. Speeches can be the high point of the party, leading to a lifetime of memories. Make sure all speeches are well constructed, with the right mix of emotion and humor. Passing the microphone around to anyone who wants to say a few words is another popular option for these parties.

Looking for some great retirement wishes to include in your speech? Check out a few of our favorites right here.

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

Can I Retire At 60 With 500K?
Written by Brian B

Can I Retire At 60 With 500K?

If you are searching online for the question of “can I retire at 60 with 500k,” the answer is yes! This isn’t a simple early retirement plan, though, as many steps need to be taken to ensure a successful retirement. Continue reading to find out how you can retire with 500K in the bank.

Retire With 500K

The common rule of thumb says you have to have at least $1 million saved to retire, but $2 million saved is more realistic. While that is a great goal to accumulate that amount of money by age 60, sometimes it’s not realistic. For some retirees, a bank account of $500,000 will be more than enough to survive. With low spending and the possibility of two individuals in your home receiving pension income or social security, it is possible to retire with a smaller amount of money saved. If retiring at 60 with 500K is your goal, use these few steps as your map to success.

Budget Well

Enjoy your current lifestyle, but always think ahead to the lifestyle you want during retirement. Yes, you may love to travel and eat at nice restaurants now, but chances are you will still like to do those things when you are 60, as well. Basic living expenses, such as housing, transportation, utilities and healthcare need to be on a budget. If you cannot come up with a budget, try going back and reviewing your last few bill cycles. Are you spending too much overall? What could you cut down on or sacrifice? These are questions you need to ask yourself now. Do not wait until you are closing in on 60 years old to re-evaluate your spending habits.

Save Money Early

This tip goes hand in hand with budgeting. Obviously, the more you can save throughout the course of your life, the better off you will be in the future. Saving money when you are young is a crucial component towards a desired early retirement. Luckily, there are many different ways to save money. If an employer’s retirement plan is an option, see if the company will match the amount fully. Then, opening a traditional or Roth IRA is another great way to save. Always take advantage of unexpected savings, like a raise at work. Toss the extra cash into an IRA or towards your 401(k).

Location

This can be a tough change, for obvious reasons. Consider where you live and think about the possibility of moving to a location with lower housing prices, within reason. This also applies to your retirement at age 60. With 500K, it’s likely you won’t be able to live in the most luxurious spots in the country. Instead, opt for something you can truly afford. Just like you did in your days in the workforce, never live above your means. With location, one must think of housing costs, in addition to healthcare costs, among other factors.

Retirement Community In Youngtown, AZ

You’ve decided to make Youngtown, AZ your new home, so what comes next in this decision-making process? Finding the best possible retirement community in Youngtown can be a tough task, but luckily one name stands out above the rest. Ventana Winds is your top choice for every retirement need in the area. This community offers assisted living and memory care options, ideal for retirees of all ages. You simply cannot beat Ventana’s breathtaking pool area and resort-style dinning room. From one-bedroom, one-bathroom to two-bedroom, two-bathroom layouts, Ventana Winds has floor plans to fit any and all needs.

With 24-hour staff and care, Ventana Winds has quickly become a leader when it comes to retirement communities in the coveted Youngtown area. The affordable rent at this community includes three meals and snacks each day, all utilities, daily and weekly cleanings, scheduled transportation and timely maintenance. Combine all this with the wide range of activities and events, and Ventana Winds consistently satisfies all of its residents.

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

Written by Brian B

Retire In Youngtown AZ

Retire In Youngtown AZ

Retirement is one of the biggest decisions any individual has to make. When to retire is always at the top of mind, but where to retire is just as important when planning for the next stage of life. So why retire in the small town of Youngtown, AZ? Here are just a few reasons why this is the best possible place to retire.

Youngtown, AZ

Compared to larger cities in the valley of the sun, including Phoenix, Mesa and Scottsdale, Youngtown, AZ is generally unknown. This town’s fascinating history, though, will quickly make it a favorite for potential retirees. Incredibly enough, Youngtown is actually the oldest retirement community in the U.S. In the mid-1950’s, developers began on an ambitious project: create the country’s first-ever planned community solely for retirees. The name Youngtown was, of course, ironically planned.

Measuring just over a mile in total area, Youngtown boasts a small population, filled with the best retirement communities in the entire country. This city was originally constructed with age restrictions, but in 1999 these restrictions were officially repealed. Nowadays, the age demographics are much wider, but this is certainly an area most populated by those seeking the perfect location for retirement. From November through April, the weather is nearly perfect, with average temperatures ranging from 76-86 degrees. This area continues to grow as well; more than doubling in population from 2000 to 2010, according to the 2010 Census. 

Youngtown is an ideal location for those looking to move away from busy and overcrowded cities, like Phoenix. Some of the best golf courses in the world can be found in Arizona. Scenic views, iconic parks and landmarks and a variety of entertainment venues are always options in this pristine location.

Retirement Community In Youngtown

You’ve decided to make Youngtown, AZ your new home, so what comes next in this decision-making process? Finding the best possible retirement community in Youngtown can be a tough task, but luckily one name stands out above the rest. Ventana Winds is your top choice for every retirement need in the area. This community offers assisted living and memory care options, ideal for retirees of all ages. You simply cannot beat Ventana’s breathtaking pool area and resort-style dinning room. From one-bedroom, one-bathroom to two-bedroom, two-bathroom layouts, Ventana Winds has floor plans to fit any and all needs.

With 24-hour staff and care, Ventana Winds has quickly become a leader when it comes to retirement communities in the coveted Youngtown area. The affordable rent at this community includes three meals and snacks each day, all utilities, daily and weekly cleanings, scheduled transportation and timely maintenance. Combine all this with the wide range of activities and events, and Ventana Winds consistently satisfies all of its residents.

Memory care offerings include:

  • Three meals and snacks per day
  • 24-hour staff
  • All utilities and cable TV
  • Daily and weekly cleanings
  • Emergency call system
  • Dressing and grooming assistance
  • Wide variety of activities

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

Written by webtechs

Retirement Wishes – 100 Quotes Continued

Retirement Wishes Continued – Looking for retirement quotes, wishes and sayings or what to write in a retirement card? Great, we have pulled together all of the retirement wishes from all over the internet. Here are the top 100 retirement wishes, sayings and quotes for what to write in a retirement card.

Retirement Wishes Continued:

  1. Think about it, now you never have to ask for a day off again. Happy Retirement!
  1. Happy retirement wishes! Wishing you all the best in your new retired life. 
  2. All the best for an amazing retirement! Enjoy your new chapter in life, where you become your own boss.
  3. As one chapter ends, another begins, welcome to your new found freedom! 
  4. When someone as wonderful as you finally gets to retire it makes my heart melt! Congrats and all the best to your relaxing years ahead!
  5. Are you ready for that golf trip you were always telling me about? Enjoy your golf retirement! 
  6. You will always be remembered for your accomplishments. Thank you for your years of hard work and dedication to our team, and congrats on your retirement!
  7. Retiring means less responsibility and “almost” no work. Please let me know if you need help finding things to do, my garage could use a once over ha ha ha! Congrats (insert name)! 
  8. Now that you’re retired you can do all the things you enjoy. Have a happy retirement!
  9. Now that you are retired, what are you going to do with all of that free time? I could fill up your Tuesday’s with coffee and gossip? What do you say? Enjoy yourself out there! 
  10. Enjoy the fruits of your hard labor. Here’s to wishing you a relaxing and wonderful retirement.
  11. I’m so happy to see you reach your goal! Retirement holds new beginnings for you. Seek out everything that retirement has to offer you. 
  12. You’ve worked your entire life for this day, you deserve it, and all the best for a happy retirement!
  13. You are an amazing co-worker, I will never forget all the little tips and tricks you taught me along the way. You are an inspiration to us all. Congrats on your well deserved retirement days. 
  14. Thank you for being an amazing example for me and our team. Your dedication and hard work is really inspiring! I will never forget you for that! Enjoy your retirement!
  15. You have made us and the company better, and for that we thank you. Enjoy your retirement! 
  16. Thank you for always challenging us to become the best at what we do. Congrats on your retirement!
  17. Now that you’re retired, you get to spend everyday with your wife. I’m sure you can’t wait to get your green thumb dirty again! Enjoy it. 
  18. All of the wonderful things you’ve done for us will not be forgotten. Congrats on the fruits of your hard labor!
  19. Leave your past behind and embrace your new future. Work it over, retirement is here! Let’s go!
  20. Retirement is all about embracing your future and leaving the past behind. Enjoy the years ahead!
  21. Are you seriously retiring already? It seems like you just started yesterday. You will be deeply missed my friend! 
  22. All The Best wishes on your early retirement. Enjoy the new opportunities to do fun and wonderful things just for you.
  23. Thank you for inspiring us all to do our absolute best. You are a very motivating and pleasant person to work with. You will not be forgotten after you retire! 
  24. Thank you for always motivating us to do our best. We wish you an amazing retirement with years of enjoyment to come!
  25. You are a true friend! Our years of work together have showed me that you can love your work if you love the people you work with. Thank you for proving that to me! Happy Retirement! 
  26. You will be deeply missed! You are truly a one in million person that can never be replaced! Enjoy your retirement!
  27. Make sure you enjoy retirement like you enjoyed working with all of us! Send us a postcard from your next trip. 
  28. It’s sad to say goodbye, but great to know you are headed on to greener pastures! Congrats!
  29. We hate to see you go, but love to see you walk away… into retirement that is ha ha ha. Congratulations, you deserve it! 
  30. It will be tough to find someone that works as hard and is dedicated as much as you are! Congrats from the whole team!
  31. Say goodbye to slow Mondays and pointless staff meetings ha ha ha! Your new life is waiting for you.
  32. You are one of the hardest working people I have ever met! You earned every single part of your retirement! Great job and adios amigo. 
  33. Retirement is the end of one chapter and the beginning of a new one. Let’s hope the next chapter of your life are as good or better as your previous! Congratulations!
  34. You have earned every bit of your retirement days! We are so happy for you! 
  35. Have fun with your new found freedom! Here’s to hoping your retirement is a dream come true!
  36. Now that you got your boss off your back you can do what you want, when you want, as long as your wife approves of course ha ha ha!
  37. I’m sure you never thought this day would come… Well other than that calendar you had that marked down the last days until your retirement ha ha ha! Enjoy yourself my friend, you will be greatly missed! 
  38. You deserve retirement! You’ve worked hard for your family and deserve to take a break! Congrats.
  39. We can tell that you loved your job! Let’s hope your retirement brings you the same fulfillment or even more!
  40. Here’s to hoping your new found freedom in retirement brings you fun, relaxation and enjoyment! All the best to you.
  41. You will be greatly missed! We hope you enjoy your retirement as much as we enjoyed having you around the office. All the best! 
  42. A wife’s full-time job starts when her husband retires. Glad to see you got promoted!
  43. Consider this an extended vacation that never ends… Only you don’t get paid days off ha ha ha!
  44. Never again will you have to face dreaded Mondays! Every day for you is the weekend now! Lucky You.
  45. Very few people dedicate themselves to their job the way you have. Now, its time to take some time for yourself and I can only imagine the kind of things you are going to get into.
  46. Travel, relax, enjoy life and spend all the kids inheritance (they will never know ha ha ha). Best of wishes.
  47. Here’s to wishing you health, wealth and happiness in retirement. Congratulations to you!
  48. Now that you’ve retired, you can start doing all of the wonderful things I’ve heard you talking about over the years! Congrats.
  49. You leave your old boss in the past after retirement and start life with your new boss, your wife. Good luck my friend!

Read More Retirement Quotes

Short Retirement Quotes

Inspirational Retirement Quotes

Retirement Quotes, Wishes & Sayings

68 Retirement Wishes For A Boss – Canyon Winds Retirement

About Ventana Winds

Ventana Winds Retirement Community is a member of SLS Communities and offers Assisted Living and Memory Care services In Youngtown, Arizona.

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