Your 60s are probably the best decade of your life—you’re enjoying retirement (or you’re about to), you have time to spend with your children and grandchildren, and you’re still relatively young. There are just a few items to look into to make sure your finances are enough to take care of you throughout your retirement.

Keep Saving While You Can

If you’re in your early 60s, you’re in the home stretch for retirement. Take advantage of your income while you still have it by saving at least 10–15% in a 401k or IRA. If you’re not on track for the amount you need for your retirement years, you’ll need to save even more than that, or possibly delay retirement for a few years to keep working.

Look at Your Plan

You have 30–40 years of retirement ahead of you, so make sure you have enough money to make it work. See if your plan is in line with your savings. If you plan to travel every year, make sure you can afford it before you start booking flights. Remember that you have to make your savings last for many years to come and spend accordingly. And don’t forget to keep some money stashed away in case of an emergency.

Reevaluate Your Retirement Investments

Talk to a financial advisor about your investment mix. They might take a look at your 401k and IRA and suggest that you move some of your money to safer investments. The stock market can be very profitable if you’re invested in the long term, but if you need your retirement money in the next few years, stocks just might be too volatile for you.

Make Some Decisions About Social Security

You can start withdrawing from Social Security when you’re 62, but you’ll be able to withdraw more money if you wait until you’re 67. When you start withdrawing will probably depend on how much you need the money; but, be sure to consider all of your options when deciding.

Don’t Forget About Medical Expenses

Even if you’re healthy now, remember that as you age you may have unexpected medical expenses. Save your money and adjust your spending accordingly. And don’t forget to invest in preventative care, such as regular checkups and screenings.

If you’re interested in Medicare, be sure to enroll when you turn 65, or you’ll have to pay late penalties. Medicare doesn’t cover everything, and you will still have to pay premiums for coverage and copays for most services, but it’s still an excellent way to help pay for your medical expenses as you grow older. The program is complicated, so be sure to do your research and make educated decisions about coverage.

Even if you have to adjust a few of your plans, your retirement years are something to look forward to and enjoy to the fullest. We wish you luck during the best years of your life!