Contribute as much as possible to your IRA accounts, or your employer’s retirement plan.
Contribute up to the maximum limit allowed in 401(k) plans or IRAs.
You need to make sure you do not have a huge amount of debt to deal with in your retirement.
You may possibly have other assets that can potentially help you to support your lifestyle in retirement.
It’s always good to estimate the income you are expected to get from your Social Security, pension schemes, savings, & retirement accounts.
Most importantly, start putting aside the money to support that lifestyle.
Consider taking a long-term care medical insurance or look into a long-term care insurance that will help you pay for any LTC services you may need.
You need to make good choices as far as retirement accounts are concerned & create a withdrawal strategy that helps you maintain a financial health in retirement.