1. Confirm your social security and Medicare benefits
2. Set a detailed, realistic, written "Retirement Plan"
3. Save more and save automatically
4. Invest in disability and life insurance
5. Get all the professional help you can
6. Broadly diversify your investments
7. Buy annuities for retirement income
8. Buy "medigap" insurance
9. Buy long-term health care insurance
10. Don't count on home equity as your sole source of retirement income