Retired in America

Your Guide to a Confident Retirement

  • Home
  • Personal finance
  • Retirement Life
  • Saving & Spending

19 Unsuspected Obstacles That Prevent You From Having a Worry-Free Retirement

April 21, 2021 · Retirement Life

Doing nothing

Planning for retirement might not be easy, what with all the important aspects and details you have to factor in. But just because something requires a little bit more effort, doesn’t mean it cannot be done. Think about the hundreds or thousands of dollars you could be saving for your golden years if you make your contributions on time.

If you don’t know where to start, ask for the help of a financial planner, at least until you get the hang of things. Doing nothing at all will get you nowhere.

A person determinedly managing bills and debt at a desk.
A woman uses a calculator to review bills, showing how debt can jeopardize a worry-free retirement.

Not trying to pay out your debts

Whether it’s mortgages, unpaid credit card balances, car loans, student loans or the like, it’s clear that debts prevent you from successfully saving for retirement. Financial experts recommend paying off as much of your debts as possible while you’re in your peak earning years, namely in your 40s and 50s. Not only will you be able to dodge the exorbitant interest charges, but you can also spend your retirement years without worrying about debts.

Speaking of your peak earning years, check out these 12 Crucial Financial Tweaks You Need to Make Once You Enter Your 50s.

Pages: 1 2 3 4 5 6 7 8 9 10 11 12

Share this article

Facebook Twitter Pinterest LinkedIn Email

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Search

Latest Posts

  • Illustration of an open health roadmap planner on a desk overlooking a winding coastal path with a walking couple. 9 Medical Tests Seniors Can Ask About Covered by Medicare
  • A smiling older woman in a sunlit kitchen reads a health benefits booklet next to delivered medical and wellness supplies. 12 Medicare Advantage Perks Retirees Forget to Use
  • Smiling older couple shopping for apples at a busy outdoor autumn farmers market in a historic town square. 11 Perks of Retiring in a Small Town Instead of a Big City
  • An older man wearing an apron carves a floral design into a linoleum block on a wooden workshop table. 9 Free Classes and Courses Retirees Can Access Locally
  • Senior woman repairing an intricate antique wooden clock with fine tools in a sunlit workshop. 7 Social Security Myths That Refuse to Die
  • A woman sits at a kitchen counter inserting a hardware security key into her laptop for two-factor authentication. 7 Signs Your Social Security Account Needs a Security Check Right Now
  • An older woman on her front porch reads a county property tax statement while holding a pen. 10 Property Tax Relief Programs Seniors Should Apply For
  • Mature man wearing safety glasses and an apron tests a solar power inverter circuit board in an electronics workshop. 8 Paid Training Programs for Low-Income Workers Over 55
  • Man at a wooden table holding a Health Savings debit card beside a tablet displaying an HSA balance and benefits documents. The One Account Where the IRS Lets You Avoid Taxes Three Ways
  • Watercolor illustration of a scenic riverside town commons with a church, library, shops, and gathered residents at sunset. 10 Affordable Retirement Towns With Strong Faith and Community Groups

Newsletter

Get retirement planning tips, savings strategies, and lifestyle insights delivered to your inbox.

Related Articles

Reasons You’ll Regret an RV in Retirement

Health Care Can Be a Hassle RV life is not only about beautiful sceneries and…

Read More →

Avoid These 20 Cities If You Want a Worry-Free Retirement

Discover the worst cities for retirees based on cost of living, taxes, crime, and healthcare…

Read More →

11 Countries to Retire Where $150K Is More Than Enough

Spain  Spain is a popular choice among American retirees. With low food costs, natural beauty…

Read More →

7 Most Atrocious Nursing Homes In America

In conclusion Something to also consider when looking for a center is we shouldn’t just…

Read More →
A panoramic sunrise view of a misty Pacific Northwest coastline with evergreen forests and distant snow-capped mountains.

12 Most Beautiful Retirement Destinations in the Pacific Northwest

Discover the 12 most beautiful and practical retirement destinations in the Pacific Northwest, balancing healthcare,…

Read More →
Illustration of a mountain valley town with houses, a clock tower, a wooden directional sign, and lupines at sunrise.

15 Scenic and Affordable Mountain Towns to Retire In

Explore 15 scenic and affordable mountain towns to retire in, featuring low housing costs, tax-friendly…

Read More →
A retired couple in their 60s sits on a sunlit terrace in Portugal overlooking the ocean, looking at a map and tablet together.

The Truth About Retiring Abroad: What Americans 60+ Really Experience

Discover the financial, legal, and healthcare realities of retiring abroad so you can confidently plan…

Read More →
An older couple smiling as they unpack boxes in a sunlit living room with desert views outside.

What Happens to Your Medicare If You Move to a Different State

Learn how moving to a different state impacts your Medicare Advantage, Part D, and Medigap…

Read More →

Key Things Retirees Wish They Could Tell Their Younger Selves

We cannot go back in time and do things differently, no matter how much we’d…

Read More →
Retired in America

Your Guide to a Confident Retirement

Inedit Agency S.R.L.
Bucharest, Romania

contact@retiredinamerica.com

Trust & Legal

About Us

Editorial Policy

Advertiser Disclosure

Frequently Asked Questions

Contact Us

Disclaimer

Terms and Conditions

Privacy Policy

Subscribe

Unsubscribe

Categories

  • Personal finance
  • Retirement Life
  • Saving & Spending

© 2026 Retired in America. All rights reserved.