 The fourth thing is to take advantage of opportunities to save more. You have catch-up provisions now that allow you to put more into tax-deferred accounts if you're over age 50. Take advantage of that. You're probably making the most money you've ever made. Take advantage of that. Put more into savings. Your expenses are probably lower. It's likely that the kids are gone, college is paid for, house might be paid off, etc. Use that money to save for your retirement.