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Money-related insomnia is a real thing. Around 65 percent of Americans lose sleep at night as a result of financial concerns. Not far behind are concerns about health care bills and the cost of health insurance. Add retirement worry to the list and stress skyrockets. If you are one of the individuals that worry about any of these issues, be proactive and alleviate some of your stress with these steps.

Create an investment plan

The financial crisis is 2008 left a lot of people in shambles, and many still fear that it will happen again. To help ease your worry, have an investment plan in place. These plans can help detail your retirement income goals, your risk tolerance, and assuage your stress when it comes to what the market does in the short-term, focusing your mindset on the long-term.

Adjust your spending

One of the many money-related stressors includes not knowing if there will be enough money to pay the bills. When thinking about retirement, this is even more of a worry since retirees will no longer be working. Maintaining their standard of living also comes into play – will it be possible to keep the same standard of living, or will it drop? Take a look at your cash flow and compare the income sources in retirement to your expenses. If there are surpluses, save the money. If there are shortcomings, re-evaluate your current costs and reduce what you can, save more, and possibly, retire later.

Play catch up

If you worry that you haven’t saved enough money for retirement, estimate how long your money will last you if you withdrew four percent a year for 30 years. Increase your saving if your money will not last you that long. If you are over 50, take advantage of the catch-up contribution rules, which will allow you to save an additional $6,000 a year in addition to the $18,500 yearly contribution in your 401(k).

Consider long-term care

Adult Americans worry about paying for health insurance as it is, and many individuals also stress about this when thinking about retirement. To combat these worries, look into long-term care and its associated costs. Even talking to a healthcare broker about Medicare and drug plan options can help you decide what you should choose based on your personal preferences and needs.

Thinking about money can be stressful, but if you are proactive in your planning, you can ease many of your worries and save for a comfortable retirement.