Develop a budget: It's important to know how much money you have coming in and going out each month. This will help you make sure you have enough to cover your expenses and avoid overspending.

Consider your sources of income: Make sure you have a clear understanding of all of your sources of income, including any pensions, Social Security, and investments.

Create a retirement plan: Having a retirement plan can help you achieve your financial goals and ensure that you have enough money to last throughout retirement.

Manage your debts: Pay off any high-interest debts, such as credit card balances, before retiring. If you have a mortgage, consider paying it off or downsizing to a smaller, more affordable home.

Keep saving: Even if you're no longer working, it's important to continue saving and investing for the future. This can help you stay financially secure and meet any unexpected expenses.

Protect your assets: Consider purchasing long-term care insurance to protect against the high costs of long-term care, such as assisted living or nursing home expenses.

Review your estate plan: Make sure your will, trust, and other estate planning documents are up to date and reflect your current wishes.

Seek professional advice: Working with a financial advisor or planner can help you make informed decisions about your retirement finances. They can help you create a customized retirement plan that meets your specific needs and goals.