Countdown to Retirement: 5 Years Away

At 5 years from retirement, you can see the light at the end of the tunnel. First thing? Check in with Social Security. Even if you've saved diligently, Social Security benefits will probably account for more than one-third of your retirement income. If you haven't already done so, sign up for an online account to get a projection of your benefit. It will be based on your highest 35 years of earnings. Review your earnings history to make sure you're receiving credit for every year you worked. Earnings could be missing from your record if an employer reported your earnings using the wrong name or Social Security number.

Getting your benefits estimate will also help you determine how much more you need to save--and how much longer you may need to work--to maintain your lifestyle once you retire. And if you're married, now).