News.Life

Why I Changed My Mind About Retirement at 65: Discover the New Ideal Age

DIWIDA.NEWS aging, personal finance retirement, retirement, retirement planning, social security

<p>
 Initially, when I began writing about retirement planning, it felt challenging for me to envision reaching that phase of my life. However, after ten years have passed, it has become simpler to see myself as a retiree—perhaps because I frequently feel exhausted from juggling an intense workload with managing kids (though that’s another topic entirely).
</p>
<p>
 At one point, whenever I considered my individual retirement, I pictured retiring from work at the age of 65. However, I have altered my perspective, and perhaps you should consider doing the same.
</p>
<div class="image">
 <img data-document-id="cms/api/amp/image/AA1nipp9" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/AA1nipp9.jpg"/>
</div>
<h2>
 Why retiring at 65 might not be the ideal choice.
</h2>
<p>
 At age 65 is when you become eligible for health coverage.
 Medicare
 For these and various other factors, it often turns out to be quite a common time for people to decide to retire. In the past, I believed it constituted an appropriate stage at which one could conclude their professional journey and transition into what comes afterward in life.
</p>
<p>
 I have altered my perspective on this issue due to several factors. Primarily, Americans as a group are enjoying extended lifespans nowadays. Although numerous recommendations suggest strategies to ensure a retirement fund lasts over three decades, opting to retire at age 65 might require many individuals to extend their financial resources beyond thirty years.
</p>
<p>
 Moreover, turning 65 doesn't signify reaching the full retirement age.
 Social Security
 starts at. For someone in my position, that age is 67.
</p>
<p>
 There have recently been discussions about
 Social Security cuts
 Since I began writing considerably about the program roughly a decade ago, I still anticipate that Social Security will manage to provide some payments to current workers. Additionally, I would prefer not to reduce my individual monthly benefits by opting to claim them at the age of 65.
</p>
<p>
 Sure, you can choose to retire at 65 but delay applying for Social Security benefits for a few additional years. However, personally, I'm considering
 file for Social Security benefits at age 70
 For the maximum monthly payment this program offers, I’m uncertain whether postponing benefits for the entire five-year period would be ideal, since it might lead to relying on my savings during that time.
 retirement plan
 savings to a significant extent.
</p>
<p>
 However, maybe the most significant factor why I now believe that 65 is not an ideal retirement age is because I envision myself continuing.
 getting bored
 Given where I am in life, regardless of when exactly this phase began, it makes sense for someone like me to continue working indefinitely. This decision is driven equally by considerations of my mental well-being as it is by financial concerns.
</p>
<h2>
 Consider thoroughly before deciding on your retirement age.
</h2>
<p>
 You might believe that 62 is the ideal age for retirement. Alternatively, you could feel that retiring at 58 or 71 would be better suited for your needs.
</p>
<p>
 In either case, it’s wise to periodically reassess your projected retirement age and ensure that the reasoning behind selecting that particular age remains valid. For instance, you might resolve to retire at 60 but upon reaching that milestone, discover that you’re not quite prepared to cease work.
</p>
<p>
 If you decide to retire at 65, ensure you fully grasp how this decision impacts your savings, Social Security benefits, and overall finances. While Medicare will be accessible to you then, covering healthcare costs under a health plan, remember that this is just one aspect of retirement planning. There are numerous other factors to consider as well.
</p>
SPONSORED:
<h2>
 Our credit card specialists recommend using this card, potentially earning you up to $1,306 (really).
</h2>
<p>
 This top-rated card
 boasts one of the most generous cashback percentages available (reaching up to 5 percent), provides 0% APR on both purchases and balance transfers for a full 15 months, and maintains an impressive $0 yearly fee.
</p>
<p>
 These are merely some of the reasons why our specialists
 enrolled for this credit card
 After examining it, keep in mind: Credit cards offer superior protection against fraud compared to debit cards and can assist in improving your credit score if utilized correctly. Please note that although our views remain unaffected, we might earn commissions from featured products.
</p>
<p>
 Check the Credit Card Details ›
</p>
<p>
 The Motley Fool possesses a
 disclosure policy
 .
</p>

Why I Changed My Mind About Retirement at 65: Discover the New Ideal Age

Initially, when I began writing about retirement planning, it felt challenging for me to envision reaching that phase of my life. However,...

13 Easy-Care Pets That Stay Fun and Furry Favorites

DIWIDA.NEWS animals, pet advice & tips, pet care, pet owners, pets

<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZR8s" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZR8s.jpg"/>
 </p>
</div>
<h2 class="">
 Pet options that require minimal care but deserve plenty of affection
</h2>
<p>
 Let’s clarify this point: There really aren’t any truly maintenance-free pets out there. "I favor using 'lower' instead of 'low-maintenance' since taking care of any live animal is quite a significant obligation," explains Dr. Dana Varble, DVM, who serves as the Chief Veterinary Officer at North American Veterinary Community. Nearly every creature, even those considered less demanding, still require considerable attention and effort from their owners.
 apartment dogs
 ,
 fluffy cats
 ,
 cute ferrets
 ,
 colorful lizards
 , and even
 low-maintenance dogs
 They may develop health issues, particularly if not cared for adequately. This will understandably lead to more complex care requirements (and higher costs).
</p>
<p>
 Every type of animal should get a yearly checkup at the vet, and these days there is health care for just about every pet. “There are board-certified aquatic veterinarians that will gladly perform surgery on your goldfish, and I have seen hamsters that have gone for CT scans,” says veterinarian Matthew McCarthy, DVM, founder of Juniper Valley Animal Hospital in Middle Village, New York. “So it’s worth noting that everything is a low-maintenance pet until it’s not.”
</p>
<p>
 With that in mind, animal experts suggested these low-maintenance pets. None require the sort of grooming and hair care you’d provide a puppy. Many don’t require daily, hands-on care. And most have habitats and feeding needs that are easy to manage.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZOBp" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZOBp.jpg"/>
 </p>
</div>
<h2 class="">
 Eastern newt
</h2>
<p>
 Talk about certified kid-friendly: Dr. McCarthy had these little guys when he was a kid and recommends them for prospective pet owners who don’t have a ton of time to dedicate to critter care. These low-maintenance pets are just five inches long and can live 10 to 15 years. “They can be kept in a small aquarium and typically don’t need a heated tank as long as your home is at a comfortable temperature,” he says. If your house is on the cooler side or you just want to create a newt paradise, a
 10-gallon tank with heat and light
 will do the trick.
</p>
<p>
 Newts can consume different types of live food such as earthworms or commercially available options.
 amphibian diet
 . Their slimy skin acts as a barrier against bacteria, so they’re more of a look-don’t-touch kind of pet. And here’s something
 Your pet shop could possibly withhold this information from you.
 According to Dr. McCarthy, it's advisable to opt for an Eastern newt since many Western newts produce a strong neurotoxin that you should avoid dealing with.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZMye" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZMye.jpg"/>
 </p>
</div>
<h2>
 Hermit crab
</h2>
<p>
 You may want to grab one of these cute low-maintenance creatures when you're at the seaside, but refrain from doing so. Marine crabs are not suitable as pets.
 illegal pets
 And they should remain at the beach. However, land hermit crabs can be obtained from pet stores. You will need to purchase one.
 hermit crab tank
 , plus an
 under-tank heat pad
 Additionally, include a sizable water bowl to keep the enclosure warm and humid. Caring for them becomes simple and budget-friendly after this setup. Hermit crabs thrive socially and become livelier when kept together and during nighttime activities. As stated by Dr. McCarthy, "Caretaking several hermit crabs doesn't require much more effort compared to taking care of just one; thus, keeping multiple crabs is advised." When provided with appropriate conditions, these small communal creatures have been known to survive anywhere between five to fifteen years.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZOBH" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZOBH.jpg"/>
 </p>
</div>
<h2 class="">
 Norway rat
</h2>
<p>
 Yes, this rodent is the same species that roams city streets, rummaging through garbage and generally being a menace. But surprisingly, they make good low-maintenance pets. (You know, if the idea of a rat doesn’t completely freak you out.) Just keep this one warning in mind: Never rescue one from the streets because it can carry and spread a disease called leptospirosis, which is dangerous to humans and pets. Instead, seek out a pet rat breeder.
</p>
<p>
 “They make great pets and will chill out with you on your lap while you read, watch television, or work on the computer,” says Dr. McCarthy. The more time you spend with them, the sweeter and more friendly they get. They’re a good option for
 people who are allergic to dogs and cats
 He recommends obtaining two, since they tend to be more content when sharing space with a roommate—noting that coed housing isn't necessary unless you're planning for reproduction purposes. Cleaning duties will not consume much of your day; these creatures are quite hygienic, similar to felines. In terms of setting up their habitat, consider the following:
 roomy wire cage
 with a
 hiding box
 , an
 exercise wheel
 , and food keeps these playful rodents content.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZJZ7" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZJZ7.jpg"/>
 </p>
</div>
<h2>
 Goldfish
</h2>
<p>
 When considering low-maintenance pets, the unassuming goldfish could very well be among the simplest and most budget-friendly options. As an exchange, it offers significant benefits for your wellbeing. Various research indicates that observing fish can lead to reduced blood pressure levels. Additionally, interacting with them often feels like confiding in someone who listens without interrupting you.
 gill-splitting fish puns
 Goldfish do well when they have company; thus, think about acquiring a few companions for them. "These fish can better tolerate changes in water conditions and temperature compared to numerous others," according to Dr. Varble.
</p>
<p>
 In spite of this, they generate considerable waste. Therefore, if you wish to avoid the task of changing the water periodically, invest in a
 filtered tank
 with
 plants
 for them to conceal themselves behind
 aquarium gravel
 Dr. Varble mentions that you'll get numerous chances to redo their habitat since goldfish are quite resilient and can survive for 10 to 30 years.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZR8X" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZR8X.jpg"/>
 </p>
</div>
<h2>
 Syrian hamster
</h2>
<p>
 If waking up early isn’t your thing, the
 cute Syrian hamster
 Could make an ideal pocket companion for you. These creatures thrive during nighttime hours. According to Dr. McCarthy, "Syrian hamsters typically require minimal care, remain relatively silent, can be held gently with tameness, and provide entertainment particularly as they use their running wheels." Being among the calmest types of hamsters, they usually like human interaction; however, regular handling each day helps acclimate them to your presence. Cleaning their habitat remains uncomplicated since they tend to excrete waste in just one area. Ensure you supply
 wheel for exercise
 and a
 toy tunnel
 , but not another hamster. Some
 Pet combos can never coexist.
 And this is one of those cases. 'These hamsters are among the most solitary creatures found in nature; they can be very territorial. Therefore, they should always be kept separately. Otherwise, you'll fully grasp what people mean when they talk about a "cage fight,"' explains Dr. McCarthy.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZTDY" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZTDY.jpg"/>
 </p>
</div>
<h2>
 Budgerigar
</h2>
<p>
 Wanting to chat with someone? A budgerigar, commonly referred to as a budgie, might just be the talkative feathered companion you've been searching for. "These birds are very sociable and enjoy interacting with humans, fellow avian species, and even pets," explains Dr. McCarthy. Budgies often pick up new habits and can imitate sounds and speech."
 pet secret
 You may not realize this: While they primarily imitate rather than engage in conversation, budgies can be taught to react to signals and vocal instructions. According to Dr. McCarthy, "Among the 115 types of small parrots called parakeets, budgies are the most common, probably because they have a cheaper upfront cost and require less upkeep."
 roomy cage
 With food, water, a place to sit, and a couple of accessories,
 toys that produce noise and have shiny surfaces
 make sure budgies continue to sing your compliments.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZTE5" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZTE5.jpg"/>
 </p>
</div>
<h2 class="">
 Plecostomus
</h2>
<p>
 At the pinnacle of easy-care pets lies one that tidies up after itself. This is precisely why many pet enthusiasts favor the plecostomus—a fish renowned for assisting with cleaning its own aquarium. Referred to variously as algae eaters, suckerfish, and simply plecos, these resilient creatures have an impressive lifespan of around 15 years. These fishes belong to the catfish family and exhibit adaptability to different water temperatures and environmental conditions within tanks; they also offer diversity in their appearances.
 variety of colors
 “and dimensions,” explains Dr. Varble. Their task is to search the tank’s base and eliminate the algae. They perform an excellent job, yet you still have responsibilities; regular cleaning will be necessary. Should you seek a companion for your goldfish, the pleco serves as both a tidy and tranquil roommate, particularly if you choose the smaller Bristlenase pleco, reaching lengths between three to five inches. The pleco adores algae, and
 sinking algae wafers
 make sure they have plenty of provisions stocked up.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZR99" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZR99.jpg"/>
 </p>
</div>
<h2>
 Crested gecko
</h2>
<p>
 Crested geckos are among the
 species that were brought back from the edge of disappearance
 , and they adjusted to captivity remarkably well, making them the simplest reptiles to keep as pets, according to Dr. Varble. This is due to the fact that, unlike many other reptiles, these low-care animals do not require additional UV lighting. "These creatures,"
 tank
 The setup process is quite straightforward, and geckos can be fully cared for using a readily accessible nutritious powdered diet; however, they also enjoy feeder insects as occasional snacks," explains Dr. Varble. These charming creatures, known for their constant grin-like appearance, handle well without showing signs of biting. They exhibit an extensive range of vivid hues and designs and have the ability to alter their coloration for camouflaging purposes, similar to how some lizards adapt under specific circumstances.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZJZv" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZJZv.jpg"/>
 </p>
</div>
<h2>
 Corn snake
</h2>
<p>
 "Before dismissing the notion of keeping a snake as a pet, think about the appealing traits of the manageable corn snake: they can survive well past two decades and make excellent company for individuals with demanding work schedules, extended shifts, or frequent travels," explains Dr. Varble. While many folks seek ways to prevent snakes from entering their houses rather than welcoming them inside, the corn snake stands out among commonly domesticated species. These reptiles possess gentle dispositions, seldom resorting to biting, and boast vibrant hues, which means even if handling isn't your preference, you can still admire their striking appearance. In terms of minimal upkeep requirements, few pets compare. "An uncomplicated
 20- to 40-gallon tank
 "Setting up heating, UV lighting, and daylight cycles on timers can be effortlessly managed for these vibrant and low-maintenance snakes," explains Dr. Varble. They feed
 thawed frozen food
 Once per week; adults may be fed once every two weeks instead.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZMyP" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZMyP.jpg"/>
 </p>
</div>
<h2>
 Chinchilla
</h2>
<p>
 Chinchillas boast incredibly soft, dense, velvety coats that seem made for cozying up next to your face. However, these creatures aren’t particularly fond of such close contact with people. Instead, they enjoy darting around and investigating their environment. This doesn’t mean you should avoid interacting with them altogether; rather, gaining their trust requires time, along with patient and regular gentling techniques, according to Dudder. Even when handled, most chinchillas won’t linger in the confines of your palms for very long—they tend to scale you more like a living jungle gym. And since they're active mainly during twilight hours and nighttime, much of this playful climbing happens under cover of darkness.
</p>
<p>
 When it comes to chinchilla burrows, they're quite simple. "They need a
 nesting box
 for comfort and to ensure they feel safe and secure
 dust bath
 "multiple times each week to clean off dirt and oil from its coat," explains Dudder. Your tiny pet will groom itself.
 chinchilla dust
 Once completed, you'll have to take away the bathtub to ensure it isn't utilized as a bathroom. These adorable creatures desire some time outside their enclosure.
 designated small, safe area
 , this is an aspect you should keep in mind.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZR9j" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZR9j.jpg"/>
 </p>
</div>
<h2>
 Holland Lop
</h2>
<p>
 Perhaps you've already been searching for this.
 cute bunny pictures
 But finding the perfect breed might be challenging since rabbits are incredibly fluffy and adorable. While numerous rabbit varieties serve well as pets, Dudder highlights that Holland Lops stand out among the friendlier types. However, it’s crucial to understand that within the animal kingdom, rabbits are viewed as prey animals and generally do not enjoy being "caught"—meaning lifted or embraced. Nonetheless, through patient and tender handling methods, having a cuddly companion will eventually become achievable.
</p>
<p>
 "They require more space compared to other low-maintenance pets and should have opportunities to stretch and exercise with your close oversight," explains Dudder. Additional bunny benefit: They can be
 litter box
 trained, which makes cleaning the cage somewhat simpler. The rabbits consume a store-bought diet consisting of fresh fruits and veggies along with hay. Similar to other tiny pets, these bunnies require an annual veterinary examination. "Overgrown teeth are frequent in rabbits and can result in significant health problems if left unaddressed," explains Dudder.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZMyX" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZMyX.jpg"/>
 </p>
</div>
<h2>
 Dutch rabbit
</h2>
<p>
 Here’s yet another adorable bunny alternative for you. The Dutch rabbit boasts a delightful personality along with a distinctive white marking resembling a saddle across its back and a prominent white stripe down its face and neck. Their primary fur hues can include shades of black, blue, chocolate, gray, steel, or tortoiseshell. Dudder appreciates these bunnies as an easy-care companion due to their lively and loving nature. However, similar to all rabbits, they require time to build confidence before fully engaging with humans according to their own comfort levels.
</p>
<p>
 As rabbits flourish when socialized, you may house two rabbits from different breeds together provided they have been spayed or neutered. This way, not only will they relish spending time with one another, but they'll also love engaging with their human companions.
 playing games
 , having their fur stroked, or just hanging out. Dutch rabbits, like all rabbits, need a habitat with space to roam and play. Depending on your house, that could be an
 extra-large cage
 , exercise pen, or a rabbit-proofed room with plenty of
 hay to chew
 . If you venture outside their habitat, consider a harness and leash—incidentally, a fantastic
 pet gift
 for the bunny mom in your life—that’ll make sure your new pet doesn’t get lost.
</p>
<div class="listicle-card-image-wrapper">
 <p>
  <img data-document-id="cms/api/amp/image/BB1kZFms" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1kZFms.jpg"/>
 </p>
</div>
<h2 class="">
 Sea monkeys
</h2>
<p>
 If you’re of a certain age, you might recall the colorful sea monkey ads on the back of comic books. If you ordered some, you found out a couple of weeks later that they didn’t look anything like the creatures depicted in the ad. That’s because sea monkeys are actually brine shrimp, not exotic sea animals. Still, it was cool that tiny creatures emerged after adding water. And proof that childhood hasn’t changed much, “they’re definitely a low-price-point starter pet and very retro,” says Dr. McCarthy. There’s not much that goes into their care. The
 original Sea Monkey kit
 comes with everything to get started, except a
 fishbowl
 . In a few weeks, they’ll grow to about an inch long. “Basically, you can set it up and forget as they just need to be fed once a week,” he says. “And if it’s not going well, they can become a nice food source for your betta fish or newt.”
</p>
<p>
 <strong>
  Sources:
 </strong>
</p>
<ul>
 <li>
  Dana Varble
  , DVM, chief veterinary officer with North American Veterinary Community
 </li>
 <li>
  Matthew McCarthy, DVM, who founded
  Juniper Valley Animal Hospital
  in Middle Village, New York
 </li>
 <li>
  Kim Dudder, who serves as the regional technical director at
  VCA Animal Hospitals
 </li>
 <li>
  PLOS One
  The impact of engaging with fish in aquariums on human health and well-being: A comprehensive review
 </li>
</ul>

13 Easy-Care Pets That Stay Fun and Furry Favorites

Pet options that require minimal care but deserve plenty of affection Let’s clarify this point: There really aren’t any truly ...

From Zero to Millionaire by 35: My Journey to Financial Freedom on a Shoestring Budget

DIWIDA.NEWS money, money management, personal finance retirement, saving money, wealth

<img data-document-id="cms/api/amp/image/BB1lIcoR" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1lIcoR.jpg"/>
<p>
 What level of income would you need to achieve financial security?
</p>
<p>
 DIWIDA's Global Financial Security Survey: Your Money
 conducted by SurveyMonkey
 Recently posed this very question globally, and here's what was shared:
 disclosed insights into how individuals across various nations view their financial situations
 .
</p>
<p>
 Ask the same to
 Steve Adcock
 , and he might dispute the assumption.
</p>
<p>
 "The concept of financial security isn’t tied to how much you earn,” explains the 42-year-old to DIWIDAMake It. “For me, financial security means having enough time.”
</p>
<p>
 Adcock states that he achieved financial stability in 2016 at the age of 35 after retiring from his corporate position with approximately $900,000. Subsequent growth in the stock market increased this amount to more than $1 million.
</p>
<p>
 He explains that security wasn’t derived from how much money was saved, but rather from the liberty it provided—being able to lead his life as desired without depending on a regular income. After his spouse retired the next year, they embarked on an adventure, spending three years traversing the nation in their Airstream trailer.
</p>
<p>
 I definitely experienced a more modest lifestyle back then. Our expenses were significantly lower compared to what they are today," explains Adcock. "It was actually the initial period during which I felt truly economically stable, implying that we didn’t need to continue working indefinitely.
</p>
<h4>
 Securing your building by saving and investing
</h4>
<p>
 To be precise, a better salary certainly aids in attaining financial stability—but it isn’t everything, according to Adcock.
</p>
<p>
 He states, 'Even with an annual income of $200,000, if your expenses amount to $180,000 per year, financial security remains elusive.'
</p>
<p>
 Back in 2014, when Adcock along with his spouse was earning an aggregate yearly salary of $220,000, he mentions that they managed to save approximately 70% of their total earnings. They then channeled these savings into robust investment strategies for both retirement funds and brokerage accounts.
</p>
<p>
 He remarks, “I’d say our savings rate bordered on being extremely high.” Nevertheless, he adds, “I despised what I was doing. I just wanted to get out of there as quickly as I could.”
</p>
<p>
 If your goal is to achieve financial security, you don’t necessarily have to reach such an elevated savings target. At the very least, begin by
 building an emergency fund
 A significant portion of Americans —
 44%, according to Bankrate
 —they mentioned they were unable to cover a $1,000 emergency using their savings.
</p>
<p>
 As Adcock points out, this is exactly what financial insecurity looks like.
</p>
<p>
 Money experts typically suggest setting aside funds enough to cover three to six months of living costs for unexpected situations. After achieving this, consider increasing the duration for which your savings could support you.
</p>
<p>
 "As you reach the point where you can envision living for one year, then five years, and eventually ten years — that’s when the real excitement begins," according to Adcock.
</p>
<p>
 Viewing financial stability in this manner enables you to see money not merely as something to amass, but rather as a resource for supporting the aspects of your life that matter most to you. An individual who has saved up funds equivalent to one year’s living costs might choose to embark on a break from their regular routine to work on a personal endeavor they're passionate about. Conversely, someone who has amassed savings covering ten years’ expenditures may feel empowered to venture into launching the entrepreneurial venture they have long envisioned.
</p>
<p>
 For individuals aiming for early retirement, the main objective is to create an investment portfolio substantial enough to sustain withdrawals indefinitely.
</p>
<p>
 Even for someone like Adcock, who continues to earn an income from ventures such as
 his website
 , newsletter and latest book suggest that attaining the highest tier of financial stability typically involves having the option to choose when and how one works, instead of ceasing work altogether.
</p>
<p>
 At present, I’d apply the term 'retired' somewhat flexibly. While we may not fully align with traditional retirement, we undeniably enjoy financial independence. Our finances are completely secured," he explains. "There’s no pressure for us to engage in specific activities. However, it feels great to pursue ventures that appear intriguing and observe where they lead.
</p>
<p>
 Correction: An earlier iteration of this story incorrectly stated the name of Adcock's Airstream trailer.
</p>
<p>
 <strong>
  Looking to earn additional income beyond your regular employment?
 </strong>
 Sign up for
 DIWIDA's latest online course titled "How to Generate Passive Income Online"
 To discover popular methods for generating passive income, along with advice to begin your journey and true accounts of achievements. Sign up now and receive a 50% reduction using the promo code EARLYBIRD.
</p>
<p>
 Plus,
 subscribe to DIWIDAMake It's mailing list
 To obtain advice and strategies for achieving success at your job, managing finances, and navigating everyday life.
</p>
<img data-document-id="cms/api/amp/video/BB1lsM8m" data-reference="video"/>

From Zero to Millionaire by 35: My Journey to Financial Freedom on a Shoestring Budget

What level of income would you need to achieve financial security? DIWIDA's Global Financial Security Survey: Your Money conducte...

특별한 여행을 원한다면? 독특한 테마로 떠나보세요!

DIWIDA.NEWS adventure travel, asia, culture, travel, travel destinations

<div>
 <img data-document-id="cms/api/amp/image/BB1mym8D" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mym8D.jpg"/>
</div>
<p>
 <span>
  <strong>
   예술에 뛰어들다, 문화 여행
  </strong>
 </span>
</p>
<div>
 <p>
  <span>
   고차원적인 인간의 기쁨은 예술로부터 시작되는 것이 아닌가.
  </span>
 </p>
 <p>
  <span>
   여행 중 만난 예술 작품들은 내면의 미적인 기감을 일깨운다.
  </span>
 </p>
</div>
<p>
 예술 감상에 나서는 여행객들은 주로 유럽으로 향합니다. 이곳에는 다양한 미술품들과 많은 예술가들이 활약했던 역사적인 배경이 고스란히 남아 있습니다. '예술 여행의 메카'라 부르기에 전혀 손색없습니다.
</p>
<p>
 '예술'을 주제로 하므로 이 행사는 상당히 포괄적일 것입니다. 그러나 대부분이 음악과 미술 감상에 중점을 두고 있는 여행 형태입니다. 이러한 행사가 많은 사람들에게 쉽게 다가갈 수 있고, 예술 활동 참여를 위한 장벽도 낮아서 그렇습니다.
</p>
<p>
 <strong>
  음악 테마 여행
 </strong>
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1myhB1" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1myhB1.jpg"/>
</div>
<p>
 클래식 음악과 관련된 공연이나 행사를 중심으로 프로그램이 구성된다. 지난겨울 하나투어에선 국내 최정상 피아니스트 조성진의 연주를 일등석에서 관람하는 프로그램을 구성하기도 했다. ‘동아일보 테마여행’은 동아일보에서 구성한 테마 여행 프로그램이다. 음악 전문가 유윤종 기자가 이끌고, 클래식 음악 해설을 곁들인 여행으로, 올해는 푸치니 서거 100주년을 맞아 여름에 즐기는 클래식 프로그램을 구성했다. 이탈리아 토라델라고에서 열리는 ‘푸치니 페스티벌’을 시작으로 오스트리아 잘츠부르크 페스티벌까지 담았다. 프로그램 대부분이 클래식 음악과 연관 있으니 클래식 애호가라면 만족할 것.
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1myhB5" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1myhB5.jpg"/>
</div>
<p>
 액티브하고 풍성한 경험을 찾는다면 여행사 '맵헤드'의 제안도 고려해볼 만하다. 이들은 체코와 오스트리아 지역에 중점을 둔 'チェスキークルムロフ 하계 음악축제' 등을 포함하여 상품을 마련하였다. 해당 패키지는 이현동 대표 본인이 직접 참여하며 진행된다. 이야기 구조를 따르면서 축제 및 공연 행사뿐만 아니라 음악과 연관된 여러 가지 문화적 장소들을 방문하게 될 것이다. 마치 음악을 주제로 하는 영화 속 주인공처럼 특별함을 느껴보게 되겠지. 이 프로그램의 가격대는 약 800만원 선이다. 여기에는 항공료와 숙박비용 등이 모두 포함되어 있으므로 추가적으로 필요한 것은 개인적인 소모임이나 식사 비용뿐이다.
</p>
<p>
 <strong>
  미술 테마 여행
 </strong>
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1mycC2" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mycC2.jpg"/>
</div>
<p>
 유럽 여러 지역에는 다양한 미술향기를 지니고 있지만, 특히 미술사에서 네덜란드의 암스터דם를 언급하지 않을 순 없습니다. 이 도시는 17세기에 네덜란드의 전성기가 이루어진 핵심적인 장소로, 그 시절 렘브랜트와 페르メール 같은 위인들이 작업했습니다. 해당 기간 동안 풍경화, 정물화, 그리고 인물을 다룬 작품들에서는 계속되는 혁신이 있었고 이러한 요인이 예술의 꽃피움으로 이끌었습니다.
</p>
<p>
 네덜랜드는 반 고흐 박물관, 암스테르דם 국가박물관 및 도시 박물관 등의 글로벌 명소가 있어 많은 사람들이 미술 테마 관광을 계획할 때 여기에 초점을 맞춥니다. 일반적으로 이런 여행은 암스테르דם에서 출발하여 벨기에의 플랑드르 지역까지 확장되는 루트를 따릅니다.
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1mym8J" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mym8J.jpg"/>
</div>
<p>
 하나투어의 고급 테마 여행 상품 '제우스'에서는 네덜랜드와 벨기에는 물론이고 맥주의 나라로서도 유명한 이 두 국가에서 미술 작품을 감상하고 동시에 다양한 맥주 양조장을 방문하는 일정이 준비되어 있다. 이번 프로그램의 비용은 총 1550만 원이며, 여기엔 왕복 항공료 및 숙박비가 모두 포함되어 있습니다.
</p>
<p>
 <span>
  <strong>
   펴unfolded 낭만 on the 레일, 기찻길 여행
  </strong>
 </span>
</p>
<div>
 <p>
  <span>
   만약 당신이 철도를 단순히 이동 도구로 여겼다면, 지금은 이를 새로운 형태의 여행 콘셉트로 인식해야 할 시기가 왔습니다. 럭셔리 열차여행에 한 번 경험하게 되면 그만큼 마음껏 즐길 수 있는 다른 여행들은 거의 없을 것입니다.
  </span>
 </p>
</div>
<div>
 <img data-document-id="cms/api/amp/image/BB1mycC6" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mycC6.jpg"/>
</div>
<p>
 <strong>
  육지의 럭셔리 크루즈
 </strong>
</p>
<p>
 기차와 호텔이 융합된 관광열차 여행은 이동하는 호화크루즈라고 불릴 정도로 품위 있는 체험을 제공합니다. 이들은 5성급 호텔 못지않은 시설과 최상의 서비스를 선사하며, 기차 내부에서 준비되는 음식조차도 상상을 초월할 정도입니다. 모든 것이 완벽하게 갖춰진 이러한 경험에는 밤하룻값으로 수백만원부터 시작하여 때때로 수천만원에도 달하는 비용이 필요합니다.
</p>
<p>
 뭐니 뭐니 해도 기차 여행의 백미는 시시각각 변하는 멋진 풍경을 감상할 수 있다는 것. 아무리 좋은 호텔이라도 침대에 누워 가만히 있으면 지루하기만 하다. 하지만 기차 여행은 창문 너머로 지나는 빼어난 풍경을 구경하는 것만으로도 가슴이 벅차다. 여기에 최고급 서비스가 곁들여 있으니 만족감은 이루 말할 수 없다.
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1mycCb" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mycCb.jpg"/>
</div>
<p>
 <strong>
  테마 가득한 이색 여행
 </strong>
</p>
<p>
 일반적인 고급 열차 좌석 정도로 상상하면 잘못된 판단입니다. 대신 바퀴가 달린 호텔이라고 생각하는 것이 더 정확합니다. 마치 다양한 테마와 컨셉으로 이루어진 각 호텔처럼, 개성 넘치는 디자인과 개념을 가진 호화로운 기차들이 많이 있습니다.
</p>
유럽을 잇는 베니스 심플론 오리엔트 익스프레스는 마치 20세기 초 유럽 상류층의 호화로운 생활을 연상시키는 인테리어가 특징이다. 실제1920~1930년대 유럽 왕족과 부유층이 타고 다닌 열차를 개조했다. 내부는 온통 빈티지풍의 아르데코 스타일로 꾸몄고, 외부는 영화에서 보던 옛날 열차 모습을 그대로 재현했다. 이름에서 알 수 있듯 애거사 크리스티의 세계적 명작 소설 의 배경이기도 하다. 가격은 노선에 따라 다르지만 가장 저렴한 파리-로마 노선이 1박에 한화로 약 560만원 정도다.
<p>
 인도에서도 럭셔리 기차 여행을 떠날 수 있다. 2010년에 운행을 시작한 마하라자 익스프레스가 그 주인공이다. 이 열차가 특별한 점은 차량마다 전용 집사가 있다는 것이다. 룸서비스부터 다양한 편의 서비스가 준비되어 있고, 객실 안에 바, 레스토랑, 쇼핑시설까지 다양한 부대시설이 있어 기차 안에서 색다른 경험을 즐길 수 있다. 가격은 한화로 약 330만원 정도.
</p>
<p>
 아프리카 특유의 분위기를 만끽하는 기차여행도 가능하다. 남아프리카 공화국 템피트리아에서 케이프 타운까지 이르는 약 1500km 구간을 연결하는 블루 트레인은 장거리 여행 중 아름다운 아프리카 경관을 감상하기 좋다. 또한, 기차 안에서는 현지에서만 경험할 수 있는 다양한 과일과 요리를 즐길 수 있으며, 기차 내부에는 클럽 공간도 마련되어 있어 고급스러움을 더한다. 클럽 라ウン지는 최상품 쿠바 산 시가와 프랑스산 커크와 슈크로스키를 마음껏 즐기며 자연경치와 여흥을 함께 누릴 수 있게 해주는 독특한 철도 여행이다.
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1my8NT" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1my8NT.jpg"/>
</div>
<p>
 <strong>
  열차에 탑승한 순간 코난 도일이 된다
 </strong>
</p>
<p>
 만약 독특하고 즐거운 경험이 당신에게 어필한다면, 브리티시 풀먼에서 운영하는 미스터리 살인 열차를 이용해보길 추천한다. 이 여행은 매우 특별하며, 실제로 기찻속에서 범죄가 발생했다는 설정 아래 다양한 배우들이 있는 가운데 진짜 살인자를 찾는 체험형 관광이다. 기차 자체와 실내 인테리어는 모두 1951년대 분위기를 느낄 수 있도록 장식되어 있으며, 연극배우들은 해당 시절 복장을 갖추고 활약하게 된다.
</p>
<p>
 이 이야기는 매우 구조적이며 전문적인 팀인 국제적 명성의 극장 회사 '프라이빗 드라마 이벤츠'가 프로듀서로 참여했습니다. 배우들과 대화를 나누거나 여러 단서들을 수집하여 미제 사건의 범인을 찾아내야 합니다.
</p>
<p>
 제철 재료를 사용한 코스 요리와 함께 와인, 치즈 등의 다양한 음식을 즐길 수 있다. 비록 가격은 5시간에 80만원으로 그리 낮지 않으나, 이만큼의 가치는 충분히 갖추고 있어 많은 사람들이 찾으며 동호회까지 생겼다.
</p>
<p>
 <span>
  <strong>
   스포츠 여행에서 열정의 순간에 뛰어들다
  </strong>
 </span>
</p>
<div>
 <p>
  <span>
   여행 중에 손흥민의 신나는 역전 골을 볼 수 있다면 어떨까요?
  </span>
 </p>
 <p>
  <span>
   관광지를 돌아볼 때 약간의 실망감을 느낀다면 여행 중 스포트 활동을 추가해 보는 것은 어떨까요?
  </span>
 </p>
 <p>
  <span>
   스포츠에서 경험하는 짜릿함은 여행으로 얻을 수 있는 감동과 확실히 다릅니다.
  </span>
 </p>
</div>
<div>
 <img data-document-id="cms/api/amp/image/BB1my8O1" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1my8O1.jpg"/>
</div>
<p>
 <strong>
  보거나, 하거나, 느끼거나
 </strong>
</p>
<p>
 스포츠 여행을 주요 세 가지 유형으로 나눌 수 있습니다. 먼저, 두 번째 항목은 실제로 스포츠 행사에 참석하여 시합을 보는 것입니다. 이것은 세계적인 큰 행사를 포함합니다; 예를 들어 올림픽 또는 월드컵과 같이 전세계적으로 알려진 것들에서 시작해서, 지역적이고 상대적으로 작은 규모인 골프 토너먼트와 같은 아시아 게임까지 다양하게 존재할 수 있습니다. 또한 이러한 여행에는 축구 선수인 손흥민이나 야구선수 김하성이 참여하는 경기들을 보기 위한 것도 포함됩니다.
</p>
<p>
 둘째로 소개할 것은 바로 스포츠 활동을 경험하며 떠나는 여행입니다. 옛날에는 주로 골프, 마라톤, 낚시, 그리고 스키와 같은 것들이 있었으나, 이제는 더욱 다양한 선택지를 제공합니다. 예컨대 암벽 등정이나 서핑, 사이클링, 무술 등을 즐길 수 있습니다. 또한 일부 호텔 및 리ゾ트에서는 방문객들을 위해 소규모 운동 행사를 마련하기도 합니다. 마지막으로 요가는 물론이고 필라테스 등의 웰니스 프로그램을 접하고자 하는 사람들에게 특별히 추천되는 여행 코스 역시 인기가 많습니다.
</p>
<p>
 마지막으로 소개할 것은 노스탤지어 스포츠 관광입니다. 이것은 특정 사건이나 중요한 역사를 지닌 스포rts 장소들을 찾아가는 형태의 여행입니다. 그리스의 고대 올림픽 경기장을 비롯해 여러 가지 스포츠 관련 박물관과 전설적인 선수들이 활약했던 구장 등을 돌아보며 다양한 스포츠 문화유산에 대한 경험을 쌓아볼 수 있는 여정이라고 할 수 있습니다.
</p>
<div>
 <img data-document-id="cms/api/amp/image/BB1mym8Y" data-reference="image" src="https://img-s-msn-com.akamaized.net/tenant/amp/entityid/BB1mym8Y.jpg"/>
</div>
<p>
 <strong>
  대세는 원데이 클래스
 </strong>
</p>
<p>
 애슬레저족은 애슬레틱(Athletic)과 레저(Leisure)에 공동체를 뜻하는 족(族)을 합친 단어로 운동이 생활화된 사람을 지칭한다. 애슬레저족이 점차 늘자 여행에서도 운동을 찾는 이가 많아졌다. 특히 하루나 이틀 정도 간단하게 체험할 수 있는 원데이 클래스의 인기가 뜨겁다.
</p>
<p>
 원데이 클래스는 실제로 하루 만에 진행되는 교육 프로그램으로서, 엄밀히 따지면 전문적 지식을 얻기는 어렵지만 전문가들의 지원하에 체험 위주로 학습할 수 있는 형태입니다. 이러한 클래스들은 처음엔 주로 기본적인 경험 중심이었으나, 인기가 높아짐에 따라 나이대와 실력 별로 나뉘고 다양한 유형으로 발전했습니다.
</p>
<p>
 여행 중 참여 가능한 일일 클래스들은 대부분 스쿠버 다이빙, 스노클링 및 서핑과 같은 수상 스포츠 위주로 구성되어 있다. 특히 많은 한국 관광객들이 방문하는 동남아 국가들에서는 이러한 워터 액티비티의 기회가 풍부하고 가까운 해변 덕분에 이런 한정된 시간 내에서도 즐길 수 있는 프로그램들이 다양하게 제공된다. 또한 이외에도 요가와 필라테스 등의 레슨뿐만 아니라, 특정 장소에서는 무술 체험, 산책 코스 또는 현지 고유의 전통적인 게임 등을 포함한 다양한 형태의 일일 교육 과정들도 운영되고 있습니다.
</p>
<p>
 직접 현지를 예약할 수도 있지만, 모든 것을 찾아보는 것은 어렵습니다. 따라서 호텔과 리조트에서 제공하는 오네이디 클래식스를 확인해야 합니다. 또는 국내 여행사를 통해 준비된 현지의 다양한 오네이디클래스들도 고려해 볼 만합니다. 이들에 대해 여행하기 전에 사전에 스케줄을 세워두세요.
</p>
<p>
 <strong>
  떠오르는 트렌드, 직관 패키지
 </strong>
</p>
<p>
 여행을 통해 스포츠 행사에 직접 참여하는 '직관' 문화가 확산되면서 이를 활용한 여행 패키지들이 나오고 있습니다. 손흥민, 김민재, 김하성 같은 해외파 운동선수들의 경기를 보러가는 것뿐만 아니라 야구나 축구를 포함하여 골프, 테니스, 농구, 럭비, F1 등의 다양한 종류로 범위가 넓어졌습니다. 이러한 스포츠 직관 여행 상품들은 인기가 적더라도 거의 항상 매진됩니다. 이는 패키지를 통해야만 누릴 수 있는 특권 덕분입니다. 예를 들어, 일반 응원석이나 VIP 좌석을 쉽게 획득할 수 있으며, 대회 이후에는 선수들과 함께 단체사진까지 촬영 가능합니다.
</p>
<p>
 이번에는 다양한 스포츠 분야의 전문가들을 동반하여 여행의 퀄리티를 더욱 업그레이드하였다. 올해 초 어떤 여행사는 선보인 메이저리그 경기 관전 상품에 야구 중계진과 함께하는 구성으로, 단 하루도 채우지 않고 신청자가 목표치를 달성하였다고 한다. 그뿐만 아니라 이번 시즌엔 축구 유튜브 크리에이터들과 프리미어 리그 현장을 찾아가는 여행상품이나, 농구 게임에서 활약하고 있는 치어리더들 사이에서 즐기는 특별한 체험 등의 패키지도 큰 호응을 얻고 있다. 이러한 전문가들이 참여하는 맞춤형 관광 서비스들은 다른 곳에서는 쉽게 접하기 어려운 독특하면서 알찬 경험을 제공한다.
</p>
<p>
 또 다른 예로는 일본의 스모 체험이 포함된 상품이나 홍콩에서 열리는 럭비 페스티벌과 같은 이곳에서는 낯선 하지만 현지인들에게 인기 있는 스포츠 활동을 경험할 수 있는 패키지를 손쉽게 찾을 수 있습니다. 이러한 대부분의 스포츠 시청 패키지는 특정 인원수가 모여야 출발 가능한 경우가 많으므로 일반적으로 인터파크 또는 하나투어와 같이 규모 큰 여행사를 통해 주로 제공됩니다.
</p>

특별한 여행을 원한다면? 독특한 테마로 떠나보세요!

예술에 뛰어들다, 문화 여행 고차원적인 인간의 기쁨은 예술로부터 시작되는 것이 아닌가. 여행 중 만난 예술 작품들은 내면의 미적인 기감을 일깨운다. 예술 감상에 나...