इन 8 गलतियों से कहीं रिटायरमेंट के पैसे तो खर्च नहीं कर रहे?

[{"selector":"#anim-b8e7cf69-2186-4961-9832-a38a872f2fc2","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6887c4ff-ed2e-4f77-9ae6-c92bcee17217","keyframes":{"transform":["translate3d(0px, 126.67667%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: google by Roopali Sharma | sep 2 , 2025

रिटायरमेंट के बाद पैसे से जुड़ी कुछ गलतियां हो जाती हैं जिनसे आपको बचना चाहिए आइये जानते है कैसे?

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जल्दी बचत शुरू करके और उसे धीरे-धीरे बढ़ाकर अपनी बचत को बढ़ाएं.

[{"selector":"#anim-086d920b-a150-41da-bef7-e38f91816fb7","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c06d2106-8056-436c-a688-1609f6933379","keyframes":{"transform":["translate3d(0px, 142.38684%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4280c1ea-8a2c-42e1-9c90-4e43de3ed820","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8062516a-c5a2-4e72-ba3a-1d3cfba8e89f","keyframes":{"transform":["translate3d(0px, 179.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-49762d19-04e3-4d57-951f-3c9817d28925 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(46.5468748549378%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

रिटायरमेंट प्लानिंग बनाना जरुरी है जो यह बताए कि आप कितनी बचत करना चाहते हैं.

[{"selector":"#anim-b1ce4ca7-974a-49e8-a086-1b866b324062","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55838cdd-8ab4-446c-9e78-ff3334b9a1e2","keyframes":{"transform":["translate3d(0px, 142.38684%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1b80c96d-76d5-4d87-aa38-ccf83a60acd0","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2a54deaf-a40e-45a2-a6c0-030d167cb199","keyframes":{"transform":["translate3d(0px, 174.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-02b8faec-7a55-415b-85f5-65dca6cda7ab [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-37.37980761572886%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

बीमारियां, चोटें, या घरों की छत बदलना जैसे खर्च आपके रिटायरमेंट फंड को खत्म कर सकते हैं.

[{"selector":"#anim-78ee7c7c-06f4-451e-8e9b-1813c2939ae6","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c3fd0502-3492-4c92-b747-3058593d581f","keyframes":{"transform":["translate3d(0px, 142.38684%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6b11a821-b655-4ae9-8e22-30b0731d1b5b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce99d900-9bd2-4ccc-92d7-e6babf3bf125","keyframes":{"transform":["translate3d(0px, 179.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-14462128-6ef6-464f-869e-71e9cf70e48e [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0, -5.275228801104485%, 0)","translate3d(0, 0%, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

केवल एफडी जैसे सेफ ओप्शन पर निर्भर रहने से महंगाई का मुकाबला नहीं हो पाता है.

[{"selector":"#anim-b82a70c7-8ec5-45b7-b82b-4f1e22359351","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25daf94e-e7a8-43ed-b04f-da179bb9e14b","keyframes":{"transform":["translate3d(0px, 142.38684%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd558e5c-469b-4df6-a54d-c16d8cc0c24b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-568796dc-088d-427e-8cdb-1e427caa77f4","keyframes":{"transform":["translate3d(0px, 179.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a90b88da-b258-4e65-8945-b35716bf1555 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(37.10937487200395%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

अपनी रिटायरमेंट सेविंग का उपयोग करने से आप चक्रवृद्धि लाभ खो देते हैं और जुर्माना लग सकता है.

[{"selector":"#anim-3b7e0b2a-4954-42e2-9780-0ad3c4765c73","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9b6fa826-52b0-4190-b85b-fa04c3168fd2","keyframes":{"transform":["translate3d(0px, 144.01709%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-55891899-fe25-4a79-9487-01ed71161edd","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f70521e2-fa51-4df1-9bd8-a49a9ee8603f","keyframes":{"transform":["translate3d(0px, 180.02819%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f969ebb-65aa-4b39-8263-5ed8c5d7e3b5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(38.39843740400297%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

रिटायरमेंट होने के बाद हेल्थ देखभाल एक बड़ा खर्च हो सकता है.

[{"selector":"#anim-1084a8bc-04ed-41c3-8c96-0caf5e7cb98b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-45613a23-f9ee-4f27-9802-4c67ae0bdb96","keyframes":{"transform":["translate3d(0px, 153.76980%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9157ab65-82cd-43ff-bef2-8b3fa0316ce8","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-42748852-c060-409e-9c69-bc052dd7a287","keyframes":{"transform":["translate3d(0px, 223.50432%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ed31c50-12c7-4f35-8965-bddcd094117d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.24062488616884%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

काम करते समय अपने खर्च जैसे खाने-पीने, मनोरंजन, और कपड़ों पर खर्च कम करें.

[{"selector":"#anim-ba133407-ed14-4eda-8a9d-57cde6192241","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5b2de4eb-8fc3-4aa6-b82e-972b294f195f","keyframes":{"transform":["translate3d(0px, 145.27983%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bab2493a-c0b0-4f2f-a67f-df2ca83a3193","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fc3de57d-fd6d-42f5-877f-a770aa174d1d","keyframes":{"transform":["translate3d(0px, 176.23070%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-58f7c608-e8ab-4369-a1ba-2553038c8d7c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(38.57142847390776%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

कुछ लोग सोचते हैं कि रिटायरमेंट में किसी भी प्रकार के निवेश से बचना चाहिए, जबकि एक स्मार्ट बकेट स्ट्रैटेजी होनी चाहिए.

[{"selector":"#anim-45953236-58d7-4185-9322-3f22d34f543a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7e08b5a7-d460-4b71-bd95-2babcfb55cd9","keyframes":{"transform":["translate3d(0px, 137.63886%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f7fd90bc-31a8-4728-8f1a-a11fd6fbca95","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2fb559f8-1b8a-41d4-9902-d0eda5bd49e1","keyframes":{"transform":["translate3d(0px, 156.28240%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6b9208c5-9a98-410a-90e0-f35febf48fda [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-24.348611015161474%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

जितनी जल्दी हो सके सेविंग करना शुरू करें और चक्रवृद्धि ब्याज का लाभ उठाएं.

[{"selector":"#anim-b04153e2-3046-4c05-b221-006270c91048","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cd19227b-71de-4cda-a90c-d04c8dbef897","keyframes":{"transform":["translate3d(0px, 145.27983%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-91d21f12-421d-4771-93bc-29ab076849c0","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-515687ef-f420-417c-97f9-780c33158632","keyframes":{"transform":["translate3d(0px, 174.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-44242621-e41a-482a-ae90-37d327aae33c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(4.062499829338595%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: istock

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इन 8 गलतियों से कहीं रिटायरमेंट के पैसे तो खर्च नहीं कर रहे?

रिटायरमेंट के बाद पैसे से जुड़ी कुछ गलतियां हो जाती हैं जिनसे आपको बचना चाहिए आइये जानते है कैसे?

जल्दी बचत शुरू करके और उसे धीरे-धीरे बढ़ाकर अपनी बचत को बढ़ाएं.

जल्द बचत शुरू न करना

रिटायरमेंट प्लानिंग बनाना जरुरी है जो यह बताए कि आप कितनी बचत करना चाहते हैं.

प्लानिंग न करना

बीमारियां, चोटें, या घरों की छत बदलना जैसे खर्च आपके रिटायरमेंट फंड को खत्म कर सकते हैं.

अनावश्यक खर्च

केवल एफडी जैसे सेफ ओप्शन पर निर्भर रहने से महंगाई का मुकाबला नहीं हो पाता है.

रोंग इन्वेस्टमेंट ओप्शन

अपनी रिटायरमेंट सेविंग का उपयोग करने से आप चक्रवृद्धि लाभ खो देते हैं और जुर्माना लग सकता है.

कर्ज में रहना

रिटायरमेंट होने के बाद हेल्थ देखभाल एक बड़ा खर्च हो सकता है.

हेल्थ केयर को इग्नोर करना

काम करते समय अपने खर्च जैसे खाने-पीने, मनोरंजन, और कपड़ों पर खर्च कम करें.

खर्चों को एडजस्ट न करना

रिटायरमेंट में निवेश नहीं करना

जितनी जल्दी हो सके सेविंग करना शुरू करें और चक्रवृद्धि ब्याज का लाभ उठाएं.

ये करें