Regular readers of this blog know that the No.1 good money habit our clients have is that they save first and spend second. Let’s talk about retirement savings, particularly if you’re under age 50. You’re going to change jobs throughout your career, and hopefully you’ll have a 401(k) at each stop. What do you do with your old 401(k) when you make a change? Do you cash it in? Do you leave it where it is? Do you roll it over into your new 401(k)? Do you roll it into an IRA?

If you’re still working, I’m sure you dream about the day you can finally retire. But the days of gold watches, a pension and Social Security at age 65 are long gone. It’s more complicated today, and I want to walk you through six important stages in reaching a prosperous retirement.

I once had a very sobering client experience working with a married couple. The husband was winding down his work career. At his retirement party, the alcohol was running low, so he volunteered to pick up more. Unfortunately, in the liquor store parking lot, he had a massive heart attack and died suddenly.

Everyone’s talking about Social Security these days, and there are a lot of misconceptions. Gen-Xers and Millennials think it’s not going to be there for them, and Baby Boomers—10,000 of whom are turning 62 every day—think they better retire ASAP while the program is still solvent. But regardless of your age, here are eight factors to consider:

Remember the 1983 hit song “I Want a New Drug” by Huey Lewis and the News? It wasn’t about recreational drugs at the time. It was more about what drugs were doing for our culture, helping us live longer and attacking different kinds of diseases and maladies.

One of the most difficult decisions for families is whether to move a loved one to a continuing care retirement community. It involves boomers as well as their parents because there are myriad financial, emotional and support issues.

If you’re getting close to the end of your career, chances are that more and more people are suggesting you should think about retiring. Or if people aren’t saying it to you directly, maybe it’s in the back of your mind.