Everyone retires, but not everyone is emotional or financially prepared when it comes to planning for retirement. According to a AARP survey, 43 percent of older Americans said they were ready to retire and 41 percent said that they were not.

Here are Mindful tips to help ease your stress while planning for retirement:

Financial fears

 Many Americans put off retirement because they fear that they will outlive their savings. According to the Employment Benefit Research Institute, 46 percent of Americans have less than $10,000 saved for retirement. Ease the financial strain by planning ahead. Come up with retirement saving goals with a financial adviser. You can also use a retirement calculator to make sure that you’re saving enough now.

Healthcare scare

Older Americans may put off planning for retirement due to healthcare costs. According to a Fidelity Investments study, a 65-year-old couple will need $220,000 to cover medical expenses throughout their retirement. Prepare for retirement now by taking better care of your health. Visit your doctor regularly, exercise often, and eat a balanced meal. Also, save money for future healthcare costs and review your current health care plan thoroughly.

Family anxiety

Family responsibilities often lead to unexpected expenses and this is why some Americans put off retirement. Many older Americans are reluctant to retire because they still provide assistance to dependent children and may also be caring financially for their elderly parents. Prepare for retirement by having an honest discussion about money and responsibilities changes with your children. Though it may seem uncomfortable it can help everyone better prepare emotionally and financially.

Housing problems

 Housing concerns are also a problem for Americans reaching retirement age. Many Americans may want to move to their dream location or closer to family, which can be expensive. Finding affordable housing can be a challenge. Talk to your financial adviser if you plan on selling your home in the future and see if they can offer any tips or advice.

Spend your free time right

Some Americans may put off retirement because they are uncertain of how they will adjust to a new pace of life. Making plans now for how you will spend your time in retirement can help. For instance, come up with travel ideas now. This will give you something to look forward to as you start planning for retirement.