Make one wrong move before retiring, and you could sabotage your golden years—follow these essential steps to retire stress-free.

Retirement is meant to be the culmination of decades of sacrifice, effort, and determination—a time to reap the rewards of a lifetime of labor. But in reality, this transition can be filled with anxiety and unforeseen pitfalls if you’re not paying attention to the details that truly matter. The last year before you retire isn’t just another set of months—it’s a critical window where your choices can either protect your dreams or unravel them.
Beyond just finances, retiring well is about safeguarding your health, your relationships, and your sense of identity. It’s about walking away from the grind and stepping into something that feels not just relaxing, but deeply fulfilling. That won’t happen by accident. To move confidently into your golden years with less stress and more joy, these are the essential actions you need to take while there’s still time.