Make a plan for reducing your total debt before retiring. Will you be eligible for Medicare, social security, or pension benefits? Discuss potential gaps in coverage, such as health insurance or savings gaps. Check your potential eligibilities for the chosen dates.A financial blueprint should be drafted early in your relationship and it should incorporate all of your portfolio pieces to provide a snapshot of your income needs during retirement. These can be changed later if conditions warrant, but at least this will give you a timeframe from which you can begin the planning process. Pick one or two tentative retirement dates.Inform your spouse, partner, or beneficiaries where the document locator is kept. Prepare a document locator to record the where-abouts and details of the following: policy numbers and phone numbers for all insurance carriers, account numbers and contact phone number for all investment and savings accounts, location of will, trust or other important information. Start discussions with your spouse or life partner, find out what each of you expect during retirement. This is important to help take the fear and unknown out of the retirement decision. You should begin pulling all the pieces of information together to support the many decisions you will be making along the way. This is the point when many people start building the knowledge for a successful retirement. I need to be that #basicwhitegirl just like my suburban town.Countdown to Retirement 4 to 5 years from retirement. I need a Pumpkin Spice Latte to get over the loss. I was in the lead for a bit but then when I placed a freeway, it caused me to grow too quickly and I had to knock my reputation and income down those three points like I mentioned before. I didn’t win the game. My part of town was not the best. Because…well, for obvious reasons. I can just picture her citizens sending letters to her saying, “What were you thinking? It smells horrible over here now!” She regretted that move almost immediately. One of my friends built a land field next to her suburb. He was rolling in the dough for the longest time. On the other hand, he got money every time someone built a suburb. He didn’t need it but he really wanted it. I built a stadium just so one of my friends couldn’t. So I didn’t get as much money my next turn. One turn caused me to have to lower it by three. Once you hit a certain number of points every time you increase, you have to lower your reputation and income. However, the more people that move in, the harder it is to get money and keep a great reputation. If you are popular, people want to live there! Makes sense, right? You slowly gain points by gaining reputation because your population increases. Now would you like to hear about another catch? Of course you would! Image: Walt Mulder. Like if you build an airport, you get a certain increase in income and reputation for each other airport built, not only in your part of town but in other parts of town as well. So, when I built the international airport, those other two regular airports in my friends’ areas helped me out. You have rewards that come with building certain things as well. But if you place anything next to a lake, you get instant cash! And who doesn’t love that? Because, of course, the people would complain about the noise and smell. If you place a government building next to a suburb you lose income. If you place a factory next to a suburb, you lose reputation. You place these tiles to make your area of town the best and gain income and reputation. You’ve got some suburbs you can build, a park, a factory, even a lake. And there are tiles in front of you that all players can buy. You start with no income but 1 reputation. I mean, who doesn’t, right? And to make your part of town the best you need to have income and a good reputation. And you want your part of town to be the best. Now, combine those two words and the images they produced. (My favorite disaster was the monster, by the way.) Or was that just me? No, I know every kid and teen that played that game did that. Setting disasters loose on your city to see it crumble to the ground? Now, let’s go back to the word association. When I say Sim City what do you think of? When I first heard of the game I thought, “Wait, do I really want to play a game where we act like #basicwhitegirls and drive to Starbucks and go to PTA meetings?” Now, when I say Suburbia what do you think of? The same things as above? Not for people who play board games. Or maybe I’m just thinking back to my childhood since I totally grew up in the suburbs. Two best friends riding bikes down the street? When I say the word “suburb” what pops into your head?Ī group of teens playing basketball in a driveway?
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