If you and your spouse are making plans to retire, you’re probably wondering whether it’s a good idea to retire at the same time.

As the new year and new decade approaches, many people will want to get started on forming better habits. Changing your lifestyle can be a bit of a challenge at first, but it can definitely be done. Small steps here and there can lead to a happier, healthier, and better life ahead of you. Here are six steps to developing better habits:

View Yourself Differently

Many people look forward to their retirement for years. The best way to truly enjoy your retirement is by having a handle on your social security. Social security is a way to fund your life after your working days are over. Although social security is an important cornerstone of retirement, not many people have a good idea of how to claim it.

In early 2018, President Trump signed a budget deal that came with potentially-significant changes to the way Medicare is distributed and administered, such as the elimination of Medicare’s independent payment advisory board whose purpose is to serve as a check on Medicare expenses. 

Inflation: a sustained increase in the general level of prices for goods and services measured by the U.S. Bureau of Labor Statistics. As inflation rises, financial markets react, purchasing power decreases, and companies adjust pricing.