Wealth + Health for Every Age


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We want you to work towards adding more years to your life and more life to your years. So we made this infographic to help you figure out what steps you can take to help maintain your wealth + health as you age.


Your 30s

A great time to set yourself up for years of wealth + health.




Own your stress

Chronic stress harms your body, your behavior, and causes riskier decision-making. Without proper long-term coping mechanisms, that’s not exactly a strong foundation for 30+ years of wealth + health.


Solidify your career

Whether that means working toward a promotion, investing in a new skill, or quitting to find something that better serves your goals.


Invest in stocks

With about 30 years to go until retirement, you have time to ride out year-to-year volatility and take advantage of the market’s solid record of 30-year average returns.

*Investing in stock are subject to investment risk, including possible loss of principal.


Make everything routine

Start a healthy habit early and you’re likely to get a bigger benefit. Anyone with years of wealth + health under their belt has probably mastered the art of routine self-care — from saving, to stretching, to sunscreen, and everything in between.


Your 40s

Time to manage the responsibilities of life.




Prioritize yourself

Between kids, career, caring for aging parents, and everything else that requires your attention, time’s a luxury. But nothing gets done when you’re run down to dust. Taking care of your responsibilities starts with taking care of yourself. Physically and mentally.


Get proper coverage

In your 40s your earning power, expenses, and assets might start outgrowing your insurance coverage. Whether home, auto, life, or health insurance, make sure you and your family have everything covered.


Seek guidance

As the stresses of serious adulthood come knocking, wealth + health maintenance gets easier with a team behind you. Example: Certified Professional Planner(CFP®), solid Primary Care Physician, and lots of close friends for support.


Your 50s

Start to learn good habits for your future retirement.




Share the wealth planning

If only one spouse does the financial planning, team up to make better decisions, increase buy-in on potential financial sacrifices, and give the surviving spouse tools to handle financial decisions solo.


Exercise your mind

The Harvard Medical School promotes the idea you can limit cognitive decline and cut Alzheimer’s disease and dementia risk by staying mentally, physically, and socially active in mid-to-late life.


Watch your waist and your budget

Your metabolism slows with age, which makes it easier to gain weight and raises the risk for costly health problems. Experts at Healthline.com point out that staying active and incorporating muscle-building exercise can slow age-related weight gain.


Find ways to trim the unnecessary fat out of your budget to prepare for life on a retirement income. Try figuring out the difference between spending that makes you happy and spending that won’t be missed.


Catch-up and consolidate

If your retirement savings are behind, now’s your chance for redemption. At 50+, the government lets you contribute more money (up to an extra $6,000, in 2018) in catch-up contributions toward your retirement plan(s).


You can also make your retirement finances easier (and cheaper) by consolidating any extra open retirement accounts into one.


Your 60s

Keep and care for your hard-earned wealth + health.




When to take social security

You can first begin collecting Social Security benefits at age 62 (but at a 25% monthly deduction). With good wealth + health you can wait until 66 or 67 (depending on your birthday) to take your full benefits plus an 8% bonus every year until 70.


Stay mentally fit

You retired from work, but that doesn’t mean you can retire from mental activity. These can be critical years to cut your dementia risk by taking classes, learning new skills, and staying socially engaged.



In your 60s you’ll need to navigate the world of Medicare. You can start applying three months before your 65th birthday. Medicare doesn’t cover long-term care. So you may also want to look into long-term care insurance.


Keep on keeping on

Did you know one out of four 65 year-olds today will live past the age of 90? Not bad. It kind of begs the question. Is 60 the new 30?


Where are you in your retirement journey? Have you considered any of the tips above? Share your thoughts below.




Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, CFP® (with plaque design) and CFP® (with flame design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.


Neither Transamerica nor its agents or representatives may provide tax, investment or legal advice.  Anyone to whom this material is promoted, marketed, or recommended should consult with and rely on their own independent tax and legal advisors and financial professional regarding their particular situation and the concepts presented herein.