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From the Article:Is there enough guaranteed income? Social Security might not be enough to support a comfortable lifestyle. Other sources of guaranteed income can help fill the gap, including workplace pensions and annuities. Can you handle your debts? Many people owe significant sums of money heading into retirement. Debt appears to be a key cause of anxiety and reduced standards of living for many people in this group. Retirees who report financial satisfaction are more likely to have paid down their mortgages and own their homes free and clear.Will you keep working part-time? Some people who enter retirement with hefty debt loads probably assumed they would keep working longer, but that's not always possible. Among people who’re already retired, the average age for leaving the workforce was 62.Is your spending plan realistic? It's important for pre-retirees to estimate how much they’ll spend in retirement. Research from the EBRI shows a disconnect between how people think they might live in retirement, and their spending needs, compared to how older retirees actually spend their money and time.Do you invest in the right 'buckets'? It's a good idea to hold investments in different types of accounts, to help minimize taxes in retirement. There are several key types of accounts with different tax features and deciding which assets should go where takes some planning.