1. It’s Now or Never: Find More Money and Save It

2. Max Out Catch-Up Contribution

3. Don’t Rely on Just a 401(k) — Open an IRA Too (or Vice Versa)

4. Expecting an Inheritance? Check With Your Parent

5. Get Rid of Debt

6. Talk With Your Spouse

7. Budget: Inventory Current Spending and Project Into the Future

8. Plan for Out-of-Pocket Medical Costs and the Potential for a Long-Term Care Need

9. Maintain the ‘Right’ Asset Allocation and Start Thinking About Income Planning

10. Consider Your Own Needs (Current and Future) Before Helping Your Kids or Aging Parent