You’ve done all the retirement planning you can. You’ve saved, you’re in a good place, and then an unexpected expense strikes. How do you handle it? Have you budgeted for a retirement emergency fund?
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Retirement Budgeting When Circumstances Change
![Expenses - Expected vs. Unexpected](/adobe/dynamicmedia/deliver/dm-aid--8ec37e58-88cc-4757-b635-64ae247cf516/100323-30-unexpected-expenses-infographic-desktop.jpg?quality=85&preferwebp=true)
![Expenses - Expected vs. Unexpected](/adobe/dynamicmedia/deliver/dm-aid--eb64c085-0789-4660-a4f7-e30fd70dda90/100323-30-unexpected-expenses-infographic-mobile.jpg?quality=85&preferwebp=true)
Average Costs for Retirees (65 & older)¹
By percentage of average retirement annual expenses
![Average cost to retire bar chart](/adobe/dynamicmedia/deliver/dm-aid--74fcebbf-9dc3-472b-9b1e-b68ca220d080/average-costs-for-retirees-bar-chart.jpg?quality=85&preferwebp=true)
Budgeting for unexpected expenses in retirement is crucial.
![bar chart for unexpected expenses](/adobe/dynamicmedia/deliver/dm-aid--f2029020-6507-41dc-ac36-7f20efed8b20/100323-30-unexpected-expenses-bar-chart-mobile.jpg?quality=85&preferwebp=true)
Budgeting for unexpected expenses in retirement is crucial.
What do you do when you're hit with an unexpected expense?
![What to do when facing an unexpected expense](/adobe/dynamicmedia/deliver/dm-aid--83f6378a-14a2-47b4-ae9e-0478e7fe5cc9/100323-30-unexpected-expenses-yes-no-tree-desktop.jpg?quality=85&preferwebp=true)
![Expenses - Expected vs. Unexpected](/adobe/dynamicmedia/deliver/dm-aid--1102d129-514d-4438-b5a3-28062c251be6/100323-30-unexpected-expenses-yes-no-tree-mobile.jpg?quality=85&preferwebp=true)
Stay One Step Ahead
- Plan for potential emergencies by saving for them.
- Be aware of the tax implications of unplanned withdrawals.
- Continuously evaluate your retirement withdrawal strategy.
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For personalized planning, find a Financial Advisor at United Bank in your area.