Baca Juga: Contoh Soal dan Pembahasan Lengkap Materi SNBT 2023 Literasi Bahasa Indonesia
The psychological reluctance to tap one’s savings is a factor for most people regardless of their financial condition. It may become more acute for soon-to-be retirees as they face inflation, unstable markets and a lack of pensions, John said. They’re trying to figure out who they are now that their primary career is over and figuring out what they can and can’t do financially
Test 2
It’s hard to manage your money well in retirement unless you’re realistic about what you have. The first thing to do is to make a budget and sketch out a plan to cover your expenses.
Before retiring, keep track of your spending and regular expenses, like housing, food, health care, etc. Then assess how those expenses might change in retirement (e.g., if you plan to move to a less expensive home or area; and if your insurance costs will be subsidized by your old employer).
You should also consider paying for a child’s wedding, buying a car, or taking a major vacation. Then assess what fixed income you will have come in (e.g., Social Security or pension payments). The difference between your expected spending and your fixed income is the amount you will need to draw from your savings.
It would also help to consult with a professional. A financial advisor can help you strategize how to manage and use your money in the years ahead. The one common feeling is that people say they are overwhelmed with all the choices they need to make to live off their savings in retirement. With the different types of accounts many have, the potential for penalties and higher taxes if withdrawals are taken incorrectly and sorting out how their investments may need to shift for retirement income, it can be a lot for a new retiree to get their head around.
1. Which of the following statements is an opinion from Text 1?
A. These plastics never degrade, but rather break up into smaller sizes.
B. Recycling plastic not only helps the environment and reduces trash, but it also creates more jobs.
C. Plastics should not be going into the ocean in the first place.
D. They eventually become microplastics that stay in the environment for hundreds of years.