Cost Of Living in Sedona
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Written by Brian B

Best Time To Go To Sedona

Sedona, Arizona offers many chances to explore and experience for people of all ages. That doesn’t mean all the experiences will feel or seem the same, though. For seniors, there are several unique ways to truly take advantage of this scenic destination in the southwest. Here is a list of the best things seniors can do in Sedona.

 

 

 

Best Things To Do In Sedona

  • Sedona Film Festival
  • Easy hiking trails
  • Jeep tours
  • Horseback riding
  • Sightseeing

Sedona Film Festival

The Sedona Film Festival has been a tradition in the area for more than 25 years now. This 8-day festival began in 1994, and features full-length films, short films, animated films and documentaries. The best part is the audience gets to choose which films will win in several major categories.

Keep your eyes peeled for celebrities in the crowd. Past festivals have seen appearances by Nicolas Cage, Mary Steenburgen, Michael Moore and Nick Nolte. Tickets for the 2021 Sedona Film Festival are on sale soon! The festival is currently scheduled for February 20-28, 2021.

Easy Hiking Trails

Hiking may seem like a daunting task, even as an active senior. Some hikes may be steep and dangerous, all while the constant heat in Sedona has to be accounted for. With hundreds of trails throughout Sedona, though, there is sure to be a light walk that suits your abilities.

Hikes will range from strenuous to easy in Sedona, meaning anyone can find an appropriate trail to conquer. Take full advantage of all the beautiful trails and scenic overlooks offered in this gorgeous city.

Easy Hiking Trails Sedona

Jeep Tours

Okay, you may feel a bit too old for a strenuous hike in Sedona, but Jeep tours offer the perfect compromise for those seeking some adventure! Jeep tours can be found all over the place in Sedona, regardless of which mountain or area you would like to view. The rides may be bumpy, but the views are priceless.

Get a glimpse of the ancient ruins or broken arrow through one of the many companies offering Jeep tours. Check out Pinkadventuretours.com for more information on this fascinating experience.

Horseback Riding

For those looking for a slower-paced viewing of all Sedona has to offer, horseback rides may be a nice alternative to Jeep tours. Horseback riding can be the perfect way to cap off a fun evening or to wake up and enjoy the sunrise. Most horseback riding journeys will cost less than Jeep tours, but you may not cover as much ground. Visitsedona.com has more details on horseback riding.

Sightseeing

Sightseeing is essential for any senior visiting the area or now calling it home. The Chapel of the Holy Cross is easily accessible from the road. This breathtaking Chapel was constructed more than 60 years ago, located in the buttes of Sedona.

The Red Rock Scenic Byway is one of the most enjoyable car rides one can find in all of the United States. Drivers and passengers will undoubtedly get a gorgeous view of the red rocks day or night.

Find Independent Retirement Communities In Sedona

Sedona Winds Retirement Community offers independent living in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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Written by Brian B

Cost Of Independent Living

How Much Does Independent Living Cost?

The cost of independent living will vary by location, care given, and services provided.  Keep reading to find out the average costs of independent living.

On average, independent living costs around $3,750 each year with average costs ranging from $1,500 to $6,000 each year in 2023 as reported by whereyoulivematters.com.

Elmcroft backs this up by stating, “Depending upon the area of the country you live in and what type of services and amenities are included, the price range for independent living is generally between $1,500 and $6,000 a month.”

  1. A simple ‘Service Rate’ each month runs between $1,000 and $10,000, respectfully
  2. A lot of apartments run around $2,300 and $3,500.
  3. The one-time fees in which comprise of the admission and apartment preparation runs between $500 and $1,500.

The prices above are for informational purposes only, for educating those curious about senior housing’s general cost. A community’s particular price range will vary and might be different to the typical costs listed above.

Amenities and Service Costs

Monthly rent is going to typically include several services, like the following:

  • All utilities excluding phone services or extended cable.
  • They keep a full schedule for different activities, scheduled transportation for things like doctor’s appointments, off-site activities, and shopping, etc.
  • Housekeeping comes on a routine weekly basis, which comprises of washing bed linens and bath towels.
  • They offer one to three meals a day that are prepared by a chef and served in a restaurant-style dining area.
  • They offer maintenance for different contingents, like HVAC filter changes, repairs on appliances, and more.
  • Emergency systems are in place and they offer several security features.

Any added charges are going to generally be the admission and/or community fees (that are non-refundable), and can range between $750 – $1,500 on average, which will cover the managerial expenses and building renovation costs. An expense for a second individual, if there is going to be one living there, this cost is typically between $500 – $1,000 each month, which can be evaluated for couples.

It would be wise to compare the costs that are related with both, residing in a home as a single family and moving to an independent living community, seek out the financial impact of each prior to making any decisions. A good piece of advice –  “Small Expenses do make an Impact on Seniors Lifestyles.” Don’t take for granted or underestimate expenses that are spent on dining, and the expense put towards the purchase of personal items.

Independent Living Cost Vs Assisted Living Cost

The cost of independent living will vary by location, care given, and services provided.  Keep reading to find out the average costs of independent living. On average, independent living costs around $3,750 each year with average costs ranging from $1,500 to $6,000, as reported by whereyoulivematters.com.

Assisted living costs in Sedona, Arizona average $4,005; with high costs ranging around $5,804 and low costs ranging around $2,206. This cost is slightly below the natural average median of $3,285.

Sedona Winds Retirement Offers Independent Living In Sedona

Sedona Winds Retirement Community offers independent living, memory care, and assisted living in Sedona, Arizona. Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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Should A Senior Move to Sedona, AZ
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Written by Brian B

Should I Move To Arizona?

What should you know about Arizona before moving to the valley of the sun? Check out our list of 10 things everyone needs to know!

1. Arizonans Like It Hot

If you don’t mind a little heat during the summertime, you will truly enjoy Arizona’s weather. Generally, the climate is dry and sunny all year, but winters are springs can be mild and beautiful. From October to April, Arizona is a paradise for outdoor lovers. Enjoy all the scenic trails, hikes and lakes Arizona has to offer during these months. Monsoon season is June through August, finally bringing some much-needed rainfall to the desert.

2. Cost Of Living In Arizona

Depending on where you choose to settle in the state, the cost of living can be pretty reasonable. According to PayScale, the cost of living in the Phoenix area is 5% lower than the national average. Currently, the average income in Arizona is $59,000. Rent is affordable in cities like Tempe, Tucson and Phoenix.

3. Arizona Offers More Than Just A Desert

Everyone agrees that Arizona is beautiful! There is much more to this state than just the desert, though. Mountain ranges can be seen nearly everywhere, as well as all the colorful cacti. With 433 cities across the state, residents will find a wide variety of skyscrapers, canyons, lakes and forests.

Life In Arizona

4. A Great Place For Sports Fans

Arizona currently hosts teams from the four major sports leagues. These teams are the Arizona Cardinals (NFL), Arizona Diamondbacks (MLB), Phoenix Suns (NBA) and Arizona Coyotes (NHL). Yet, there is way more than that for sports fans! In addition to Division-1 college athletics, the valley is home to baseball’s spring training. Popular teams like the Chicago Cubs, Los Angeles Angels, Oakland A’s and San Francisco Giants, among others, flock to the valley each spring.

5. It Does Snow In Arizona

The northern half of Arizona will experience some snowfall during the winter. You may not experience any snowy conditions in Scottsdale or Tucson, but world-class skiing and snowboarding options are just a few hours away in Flagstaff.

6. Home Of The Grand Canyon

The world’s greatest wonder, the Grand Canyon, can be found in Arizona. This mile-deep gorge spanning 277 miles is truly breathtaking.

Grand Canyon

7. The Wild West Remains Intact

Long before Arizona became a state, it was home to some of the most infamous outlaws around. A lot of historic gunfights happened in Arizona, as well. Many of these old towns have been preserved, making them great spots for day-trips.

8. Look Out For Haboobs

Blizzards, tornadoes and earthquakes may be a thing of the past, but Arizona has some inclement weather that is truly unique: haboobs. Haboobs are dust storms that look like an apocalypse. These storms will generally pass quickly, but staying on the road to video the storms is not recommended.

9. Diverse Food And Drink

Since so many people from all over the country continue to flock here, Arizona has a wide variety of food and drink options. With a large mix of Chicago and New York pizzerias, the locals agree it’s hard to find better pizza anywhere else in the U.S. Have you ever eaten cactus? Arizona offers plenty of cactus jelly and prickly pear margaritas. A Sonoran hot dog, which is wrapped in bacon, a crispy bun and topped with tomatoes, jalapenos, pinto beans and onions, is a local favorite.

10. Arizona Cities Are Growing

A lower cost of living combined with numerous exciting career options have helped many Arizona cities to blossom over the past few decades. Phoenix continues to grow, and was just ranked as the 5th-largest city in the country. Scottsdale is home to some of the best dining and shopping offerings in the world. Tempe is known as the home of ASU, but it also hosts events year-round. Sedona is world-renowned for its breathtaking red rock beauty.

Phoenix, Arizona

Find Retirement Communities In Sedona

Sedona Winds Retirement Community offers independent living in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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Sedona AZ Retirement Guide

Why Retire In Sedona Arizona?

Sedona Arizona is a well known tourist destination, hosting many activities and sights to see for retirees. For example, Sedona is most known for their “Red Rocks“, which were seen in countless western films like, Jimmy Stewart’s “Broken Arrow”. The color effects displayed on the sandstone rocks during the sunrises and sunsets  in Sedona are amazing! This beauty coupled with moderate climates and mountains that stretch for miles have made Sedona one of the most sought after retirement communities in the United States.

According to at least one source, Sedona, Arizona is actually rated as one of the top 20 retirement destinations in the country. The arts and hiking are of the most notable here. Many music and film events such as the International Film Festival are hosted in Sedona, but most choose Sedona for its beautiful setting and warm climate.

What is the population of Sedona?

The population of Sedona Arizona in 2017 is just 10,336 according to the latest US Census Bureau.

What is special about this retirement community

  • The Red Rocks of Sedona are Breathtaking
  • 6 Million Acres of National Forest
  • Hiking
  • Sightseeing
  • Shopping
  • Horseback Riding
  • Sedona International Film Festival

What is not special about this retirement community

  • Lots of tourists
  • Overdeveloping fast
  • Expensive Real Estate

What kind of people retire in Sedona?

Sedona attracts all kinds of retirees but mostly ones interested in outdoor activities, great scenery, and the arts. Real estate is a bit more pricey than the rest of the US, so the type of residents that retire in Sedona tend to be affluent. Average retired age is 50.

Economy

Sedona has a booming economy due to its popular retirement and tourists destinations. Components include: retail, services, construction, and hospitality.

Cultural Scene & Restaurants

  • Sedona Jazz on the Rocks festival
  • Sedona Arts Center
  • Sedona International Film Festival
  • Arizona Opera League
  • Coconino Community College
  • Yavapai College
  • NORAZ Poets
  • Galleries

Crime Rate

Low crime rate. Crime rate is Sedona is 50% of the US average

Medical

Transportation

Chamber of Commerce

The Sedona Chamber of Commerce

What other potential retirees are saying about Sedona

If you are looking for an action-packed retirement place, Sedona is not the one! Sedona is a perfect place for a mellow, quiet retirement. Once just a dusty blip on the map, this city is all grown up now and has become a much desired retirement spot.

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Options For Independent Living In Arizona
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Written by Brian B

Options For Independent Living In Arizona

If you are searching for “Options For Independent Living In Arizona,” we’re here to highlight some of the top communities in the valley of the sun!

Independent Living In Surprise, Arizona

If you’ve lived in Surprise your entire life and want to stay close to friends and family, then Chaparral Winds is the assisted living facility for you! As Chaparral Winds’ website states, this is a community designed for the active seniors, while still providing a relaxed vibe throughout the facility. A pool and hot tub combined with a beautiful dining area make this one of the premier communities in all of Arizona. Great shopping, golf courses, restaurants and medical facilities are all located within a few miles.

Chaparral Winds offers:

  • One meal per day.
  • Scheduled transportation.
  • Full program of activities.
  • Exercise and fitness rooms.
  • Guest suites.

Visit Chaparral Winds website here.

Independent Living In Peoria, Arizona

Offering assisted, independent and memory care services, Desert Winds is a top-notch community in the valley. Desert Winds offers three types of floor plans for residents. Whether a two-bedroom, two-bath or one-bedroom, one-bath is what you desire, Desert Winds has a plan for you. Studio apartments are available as well. All of these floor plans can be toured virtually on Desert Winds’ official website. All apartments come fully equipped with individual heat and AC units, a refrigerator, microwave, window treatments and more.

Desert Winds offers:

  • Housekeeping twice per month.
  • Billiard room and library.
  • Free laundry facilities.
  • Computer room.
  • Full program of activities.

Visit Desert Winds website here.

Independent living is a Vista Winds‘ housing arrangement for those aged 55 and up. The housing types will vary from free-standing homes, apartment living and retirement communities. These communities are designed to let seniors get around as easily as possible. Landscaping and maintenance is performed by staff. Just like assisted living communities, independent living communities will offer residents various services and activity options. Communities generally feature pools, fitness center, dining and common areas.

Vista Winds offers:

  • Chapel.
  • Fitness center.
  • On-site beauty salon.
  • Full program of activities.
  • Restaurant-style dining room.

Visit Vista Winds website here.

Independent Living In Mesa, Arizona

Canyon Winds is a Senior Living Services Community located in Mesa, Arizona. This facility offers plenty of choices for senior citizens of varying needs. One can find more than just assisted living at Canyon Winds, as they also offer independent and memory care services. This resort-style facility is breathtaking, with spacious floor plans and dining areas. A full activity program and fitness center await future residents. Looking to bring a small cat or dog to your new home? Not a problem at all, as every SLS Community is pet friendly!

Canyon Winds offers:

  • Indoor and outdoor entertaining areas.
  • Resort-style pol and spa.
  • Scheduled transportation.
  • On-site beauty salon.
  • Full program of activities.

Visit Canyon Winds website here.

Independent Living In Sedona, Arizona

Sedona is regarded as the most scenic city in all of Arizona. And that reason alone makes it a wonderful place to call home. Sedona Winds, located in the heart of the red rocks, offers stunning courtyard views, along with a 24-hour staff for every need. Settle for a one-bedroom or large studio apartment, or choose their two-story building to enjoy breathtaking views, daily. General maintenance, weekly laundry and deep cleaning of your apartment, an emergency call system, and a diverse activities program are all included when you choose Sedona Winds.

Sedona Winds offers:

  • One meal per day.
  • On-site beauty salon.
  • Full program of activities.
  • Craft room.
  • Library.

Visit Sedona Winds website here.

How Much Does Independent Living Cost In Arizona?

On average, independent living for seniors will cost $3,750 per month, with prices typically ranging from $1,500-$6,000 in 2022. Costs will very much depend on quality of facility and location, according to WhereYouLiveMatters.

A typical service rate will cost between $1,000-$10,000 per month. There is generally a one-time fee that comes with independent living, ranging from $500-$1,500. Anyone thinking of a potential move to one of these communities should first think of the finances associated with such a move. Many seniors share a common fear of their retirement savings simply not being enough for the long term.

Independent living can be compared to an investment, so don’t let the initial sticker price scare you from this living situation. Do research by comparing multiple communities and facilities, then create a budget that you are comfortable with.

Find Retirement Communities In Arizona

Sedona Winds Retirement Community offers independent living in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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Memory Care Vs Nursing Home
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Written by Brian B

Memory Care Vs Nursing Home

Whenever a loved one begins struggling with daily tasks or dementia symptoms, it’s time to consider an alternative care option. This post will look at the similarities and differences between two care options, memory care and nursing home facilities.

What Is Memory Care?

Memory care is a unique type of long term care which has been designed to focus on certain requirements of those who have various memory problems such as dementia and Alzheimer’s. In choosing an option for memory care you might want to put a list together of the questions you should be asking that cover all the concerns regarding the care, safety, and comfort of your loved one.

There are questions that should be asked in order to locate the correct memory care facility for a loved one, questions regarding the costs, as well as what services are provided. Although communities of a Memory Care facility may offer numerous services, be certain that your loved one will be interested in a few of them. Should you be having thoughts of memory care for someone you love, then you should also understand that facilities for assisted living have communities that offer a separate floor/wing or their special memory care unit.

Then there is the option of an facilities that focus on independent memory care, it is important to remember that a memory care community consists of more specialized nursing skills, whereas, an assisted living community does not. Whether or not the memory care facility is in the same community and a part of the assisted living community, the cost is going to be higher. 

It does not matter which you choose, an SCU or a memory care unit you should find out if the staff undergo any special training in helping those with dementia and/or impaired cognition. The services that are most common are: medical monitoring, daily assistance with personal tasks and etc., supervised care 24-hours a day, 7-days per week. Additionally, they have a pleasant environment and the community is easy to navigate around.

What Is A Nursing Home?

Aside from hospitals, nursing homes can be another good option to take care of seniors with dementia. Nursing homes will provide a high level of medical care for all patients. This care option can also treat anyone recovering from accidents, including broken bones, in addition to providing senior care.

Generally, each nursing home facility will feature a licensed physician to supervise the well-being of each and every patient. Most nursing homes will also have registered nurses on staff 24/7, with other medical professionals also in the facility.

When deciding a loved one needs to transition to a nursing home, you must make sure the facility can provide great medical care and support the needs of all patients.

Memory Care Cost

The average price for memory care in Sedona is $5,685 per month. Memory care ranges from $1,620 to $9,750 per month in 2022.

The average cost of memory care ranges from $1,620 to $9,750 a month or more. Costs are going vary subject to location, amenities, and care requirements. While many services such as meals, medication administration, and group activities are going to be included, other amenities are optional. As an example, residents can have accessibility to laundry services, meal outings, or beauty services, like barbershop or manicures, but those could cost extra.

Memory Care Cost

Nursing Home Cost

The median monthly cost of a state-owned nursing home is $7,513, according to TheBeckinridge. Meanwhile, a privately-owned nursing home costs an average of $8,517 per month.

Nursing home prices will vary based on ownership. State-owned nursing homes will not be as expensive as privately-owned facilities.

Memory Care Vs Nursing Home Considerations

When you begin searching for the right care facility, you’ll come up with your own list of the best choices. When possible, it’s significant to take the time and tour each community. Ask question regarding that staff as well as the families of the other residents staying in the facility, this helps in determining whether or not that facility is the right place for your loved one.

Use the following questions while searching for the right one:

  1. Does the community offer the level of care you want for your loved one?
  2. Do they offer private or semi-private rooms? What’s the difference in the price for each?
  3. How much do they charge for their monthly rates on housing, including care? What different kinds of services are included in that rate?
  4. Has the staff had training? If so, what kind of training have they had?
  5. In your opinion, what can the residents look forward to for their level of personal assistance?
  6. What are the procedures and policies on handling sudden medical emergencies?
  7. How do they go about letting families know of resident’s well-being?
  8. Do they provide meals? I so, which meals do they provide? Will they be accommodating if special dietary requests are made (like kosher meals)?
  9. Do they provide housekeeping and laundry services? If so, how often?
  10. Is this facility accommodating to the needs of special care residents, such as problems with mobility, those who get aggressive physically, those who wander off, and those who are in need of diabetic care?
  11. What are the different programs offered by the facility (such as physical therapy, exercises, and socially), among others?
  12. Does the facility group their residents by cognitive level?
  13. How many staff members do they have in ratio to the number of residents throughout the daytime hours? How many throughout the night hours?
  14. What measures are taken to make certain the residents are safe and secure?
  15. What kind of discharge policies do they have?

Assisted Living In Sedona AZ

Sedona Winds Retirement Community offers independent, assisted and memory care services in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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Written by Brian B

Cost Of Memory Care

Memory Care Cost

The average price for memory care in Sedona is $5,685 per month. Memory care ranges from $1,620 to $9,750 per month in 2022.

Memory Care Cost

The average cost of memory care ranges from $1,620 to $9,750 a month or more. Costs are going vary subject to location, amenities, and care requirements. While many services such as meals, medication administration, and group activities are going to be included, other amenities are optional. As an example, residents can have accessibility to laundry services, meal outings, or beauty services, like barbershop or manicures, but those could cost extra.

Memory care services are usually offered in assisted living facilities. In addition to offering the standard services like meals every day, and personalized care services, assisted living facilities that offer memory care are required to have secured and safe outdoor areas in which their residents may enjoy without the risk of roaming. Many facilities also have special programs that comprise of stable routines and therapeutic activities to encourage social interaction and cognitive engagement. Because of these enhanced security measures and program aspects, memory care usually costs 20 percent to 30 percent more than an assisted living facility.

  • Medicare
  • Medicaid
  • Life Insurance
  • Long-Term Care Insurance
  • Reverse Mortgage

Sedona Winds Retirement Offers Memory Care In Sedona

Sedona Winds Retirement Community offers memory care, independent living, and assisted living in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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How To Talk To A Parent With Dementia
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Written by Brian B

How To Talk To A Parent With Dementia

Understanding how to talk to a parent dealing with dementia is crucial. Somedays your loved one may seem fine, while other days you may not recognize their personality, at all. Tough conversations about their well-being and future need to be completed. Here are 7 tips for communicating with someone suffering from dementia.

Tip 1. Research Ahead Of Time

Whenever you are planning a dialogue regarding a loved one suffering from dementia, it’s crucial to understand how challenging this task can be. As we all know, dementia will worsen over time, making the communication aspect more and more difficult. Loved ones suffering from dementia may become argumentative and confused during these talks.

Tip 2. No Distractions

The setting is very important for these talks. Pick a place and time to sit down and speak to your loved. Ensure that there are zero distractions in the area. You want your loved one to focus all of their mental energy on the topic at hand.

Tip 3. Speak Naturally

Stay calm during this talk and always speak naturally. Speaking naturally will help put everyone, especially the parent suffering from dementia, at ease.

Tip 4. Call Them By Name

Call your loved one by his or her name frequently during the conversations. Avoid using “he” or “she” at this time. Greeting someone with dementia by name is always recommended.

Tip 5. Use Nonverbal Cues

Examples of nonverbal cues include smiling, nodding, defined body language and maintaining eye contact. Nonverbal cues are needed to help comfort your loved one, while establishing an understanding at the same time. During the later stages of dementia, this becomes more important.

Tip 6. Listen

Listening is perhaps the biggest key to successful communication. Even if you plan on talking the most during the conversation, the importance of listening cannot be overstated. If you do not understand something, remain calm without raising your voice.

Tip 7. Remain Patient

Give your loved one plenty of time to think and respond. Dealing with dementia requires a lot of patience from all parties involved.

Assisted Living In Sedona AZ

Sedona Winds Retirement Community offers independent, assisted and memory care services in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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When Might Be The Best Time To Start Saving For Retirement
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Written by Brian B

When Might Be The Best Time To Start Saving For Retirement?

The first step towards retirement is obvious: start saving as much money as possible today. So, when is the best time to start saving during your career and how can you make this happen? Let’s look at a few options!

When To Start Saving For Retirement

Of course, all financial experts would suggest everyone start saving as soon as possible. For some individuals, though, this may seem like a pipe dream. The good news is today there are many different savings options offered to the younger generation. Start by saving 10% of your monthly income each month, if possible. For instance, if you put away 10% of your $5,000 of monthly income, you will have saved $6,000 for the year. This is a great start towards saving for retirement.

The experts believe beginning the savings process in your 20s will help cover for any unexpected stock market dips. Speaking of experts, Charles Schwab recently conducted a survey that concluded most Americans believe they’ll need to save $1.7 million by age 65. To meet this figure, you’d have to save a minimum of $500 per month starting at age 25.

Many 25-year-olds may find saving this amount to be a daunting task. Most in this age group are just starting out in their careers and/or raising a young family. Common sense will tell you that waiting to save money for retirement means the amount you’ll need to save each month will increase.

How To Save For Retirement

Let’s say you are out of your 20s and have yet to begin saving for retirement. The next best time to start saving money would be now! Put away any dollar amount you can afford at this point. Open a traditional IRA, which gives you more investment opportunities than a typical 401(k) plan. Keep in mind an IRA will come with a contribution limit of $6,000 for anyone under age 50.

Thankfully, there are a few different ways to save towards retirement. The easiest way to save is by putting away any unexpected or extra cash flow. This includes anything from birthday money to work bonuses. Save any extra spare change for the time being. If you wish, picking up a part-time job or side hustle can undoubtedly prove beneficial in the long run.

How To Save For Retirement Without A 401k

Here are a few simple ways you can begin saving for retirement right now:

1. Consolidate Credit Card Debt

One way to set yourself up for the future financially is by shifting some of your higher-interest credit card debt to a lower-interest debt consolidation loan. This can leave you with some additional savings to put toward your potential retirement fund(s).

2. Decrease Credit Card Debt

Yes, this may seem difficult to do, but decreasing your credit card debt as soon as possible is crucial. One tip is to pay your credit card bills in full every month to avoid any interest charges. If that simply isn’t an option for you currently, try to pay down your debt as quickly as you can.

3. Re-Consider Big Purchases

All big purchases need to be thought over a long period of time. Determine whether or not you really need this expensive vacation or home remodeling project. Consider any low-cost alternatives to your original plans, if possible. Money saved today can undoubtedly be used tomorrow.

Average Age When Americans Start Saving For Retirement

These are the average age groups when individuals typically begin saving for retirement.

  • Ages 20-29: 39%
  • Ages 30-39: 25%
  • Ages 40-49: 15%
  • Ages 50-59: 6%

*Statistics according to Morning Consult. 

Assisted Living In Sedona AZ

Sedona Winds Retirement Community offers independent, assisted and memory care services in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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When Is It Time For Assisted Living
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Written by Brian B

When Is It Time For Assisted Living?

How do you know if now is the right time to consider transitioning a loved one into assisted living care? The signs below may indicate that a move to assisted living is necessary.

Signs That It Might Be Time For Assisted Living

Whenever family members or caregivers can no longer take care of the individual’s every need, it may be time to consider alternative care options. This, of course, can naturally lead to a transition into assisted living. Knowing when the time is right to make that transition is crucial, so keep an eye out for the following signs:

  • Increased Needs.
  • Behavior Changes.
  • Constant Confusion.
  • Unsafe Alone.
  • Physical Health Decline.
  • Caregiver Fatigue.

Increased Needs

The typical senior citizen living alone may require some assistance performing daily tasks. Things like reaching far away items or lifting heavy materials are not suitable for seniors. There may come a point in time, though, when more assistance is needed inside and outside the home. When you genuinely fear for a loved one’s safety while alone, it’s time to consider assisted living care.

Behavior Changes

Anyone suffering from dementia will begin behaving differently. While some behaviors may go unnoticed for the most part, other actions may be jarring. Watch for any changes in motor skills, behavior or the desire to stay isolated. Individuals suffering from dementia will become anxious, agitated and confused easily.

Constant Confusion

Dementia causes confusion and disorientation, which can lead to tragic car accidents, among other issues. Even in familiar settings, individuals may become lost and confused. Falls and injuries are unfortunately quite possible during this period.

Unsafe Alone

An individual suffering from dementia can become forgetful at times. This can lead to unfortunate accidents at home, such as misplacing things or leaving the oven on. Constantly forgetting to take necessary medications is one of the biggest reasons why assisted living care is needed.

Physical Health Decline

These can be the most obvious signs that it may be time for memory care. While battling Alzheimer’s or dementia, individuals tend to become thin or frail. Physical conditions can worsen if the individual also struggles to remember to take certain medications.

Caregiver Fatigue

This is an all-too-common reality for caregivers and family members alike. There may come a time when you reach a breaking point while caring for a senior. The level of commitment and care can become too much to handle for some. Now is the time to consider transitioning into assisted living communities.

Assisted Living In Sedona AZ

Sedona Winds Retirement Community offers independent, assisted and memory care services in Sedona, Arizona, can help! Call us today at (928) 496-6547 and learn more about our facility and what we have to offer today’s seniors.

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