A. Jonah Realtors


Depending on how many years you’ve been working, retirement can seem like it’s too far in the future to worry about or too close to be able to effectively make any real change.

 However, retirement is about more than doing the math and investment planning. Retirement includes making several life decisions, and considering things you may not have thought of before.

 In this article, we’re going to talk about planning aspects of your retirement including your home and assets, your savings and investments, and setting and achieving goals for yourself.

Pay yourself first

If it feels like your paycheck is spent before you get a chance to set any aside each week, you’re not alone. However, it’s never too late to start setting aside money for retirement. The “pay yourself first” theory states that you should set aside a certain amount for bills, savings, and retirement plans before you spend a dime of your paycheck each week.

The easiest way to achieve this is to take advantage of an employer-based contribution matching program such as a 401K. However, if you are self-employed you can still open up an individual retirement account (IRA) or a Solo 401K. With an IRA, you determine where you want to invest your money, and can choose safer or riskier investments based on your own preferences.

Draw up your plan, literally

There’s no better way to start planning than to actually sit down with a notebook or your computer and start figuring out what you want to save and how you want to achieve those savings.

You’ll want to determine how much money you can accrue in your savings account, estimate the price of your assets and properties, and look at the projected return on investment for any IRAs or 401Ks you have in place.

As you likely know, these numbers are all projections. There’s no way to know for sure how much your home will be worth, or how well your investments will do by the time you’re ready to retire.

So, one of the most important aspects of making this checklist is to return to it yearly to determine if you should change your investments or alter your retirement goals.

Determine your lifestyle needs

Whether you have dreams of settling down in a quiet town for retirement, touring the country in an RV, or traveling the world, you’ll need to find out how you can make it possible on your retirement plan.

You and your spouse will need to sit down and draw up a plan for your mutual retirement goals. Determine which expenses you can do away with in retirement so that you can fulfill other goals. Having these conversations now will help you more effectively plan for the future. And, remember that the time of your retirement is always closer than you think.  


This Single-Family in Lynn, MA recently sold for $445,000. This Contemporary,Raised Ranch style home was sold by - Jonah Realtors.


47 Belleaire Avenue, Lynn, MA 01904

Single-Family

$448,000
Price
$445,000
Sale Price

9
Rooms
5
Beds
3
Baths
Best Deal in Town! Location, square footage, quality! With 5 bedrooms and 3 full baths, the oversize rooms offer great family living with in-law or au pair potential in the expanded bedroom wing. On a quiet tree lined street in an established neighborhood, the house is pristine throughout and meticulously maintained The half acre lot with huge patio and easy care gardens also lends itself to entertaining and large family gatherings. Two central air systems, three zone hot water baseboard heat, security and sprinkler systems. All appliances remain including top of the line laundry and refrigerator, kitchen with granite counters and designer backsplash, two ovens and breakfast bar. Truly a one of a kind home that has had only one owner. Exterior brick is custom Concord Buff/Marigold blend, second ceramic paved patio at entrance., garage and six car off street parking.

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This Single-Family in Lynn, MA recently sold for $380,000. This Colonial style home was sold by - Jonah Realtors.


24 Fair Oaks Ave, Lynn, MA 01904

Single-Family

$349,900
Price
$380,000
Sale Price

8
Rooms
3
Beds
1
Baths
Tucked away on a Ward 1 side street, in Lynn Woods School District this Colonial awaits it's next family. Beautiful coffered ceilings and woodwork in the large living room are the first things that will welcome you as you enter the front entrance; & it just gets better from there. The renovated Kitchen and big formal Dining & a 3 Season porch make this a perfect fit for entertaining. A beautiful turned staircase leads to the 2nd level with a wide hallway, 3 large bedrooms with plenty of closet space & a newly remodeled bathroom. The yard is oversized, fenced & full of fun with extended decks, an above ground pool & fully equipped, custom built entertainment cabana &2 storage sheds. Add to the check list: a full basement w/ built in work bench, plenty of storage space & second bath. Irrigation System. Close proximity/easy access major highways & local attractions like Sluice Pond, Gowdy Park, Lynn Woods,& Gannon Golf Course. Any & all offers due Tues 9/26 by 5 pm - 24 hr seller response

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This Single-Family in Lynn, MA recently sold for $300,000. This Colonial style home was sold by - Jonah Realtors.





98 Jenness St, Lynn, MA 01904

East Lynn

Single-Family

$479,900
Price

7
Rooms
3
Beds
2
Baths
Newly Renovated Sluice Pond Waterfront. You can't beat the views from your upper deck and lower level patio looking out on beautiful Sluice Pond. Panoramic views from nearly every room in the house. Gorgeous remodel includes Granite and fully applianced stainless kitchen, newly poly'd hardwood floors, 2 new ceramic tile baths with tub shower combos, 3 Bedrooms, huge family room and laundry on lower level with walk out to direct waterfront deck and floating dock. Central Air, new furnace, new electrical, new "shingle" vinyl -- a true turn key property with low land maintenance and plenty of year round outdoor entertainment.
Open House
Sunday
November 19 at 12:00 PM to 1:30 PM
Cannot make the Open Houses?
Location: 98 Jenness St, Lynn, MA 01904    Get Directions

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