As the golden years get closer, so does the moment when you’ll stop building your savings and start living off them. That can be exciting—or nerve-wracking—depending on how prepared you feel. But here’s the good news: even if you’re late to the savings party, there are still smart, simple steps you can take to give your retirement cushion a little extra fluff.

First, it’s time to plug the leaks. That means trimming down unnecessary expenses—not in a “never eat out again” way, but more like finally canceling that streaming service you forgot you had. Every dollar you don’t spend now is a dollar that can grow just a bit more before you need it. Even modest cost-cutting can make a surprising difference over a few years.

Next, lean into catch-up contributions. If you’re over 50, the IRS gives you extra room to save in your retirement accounts. Whether it’s a 401(k) or an IRA, max it out if you can. Think of it as a legal cheat code for your retirement savings.

And don’t be afraid to rebalance your investments. As you get closer to retirement, it’s wise to ease off the rollercoaster of risky stocks and glide into more stable territory—like bonds or conservative mutual funds. That way, one bad market swing won’t knock your retirement off course.

Finally, delay withdrawals if possible. Working an extra year (even part-time) or holding off on Social Security can mean bigger benefits and more breathing room.

A little planning now means less worry later. Retirement shouldn’t feel like walking a tightrope. It should feel like lounging in a hammock. And maybe—just maybe—with the right moves, you’ll have enough saved to enjoy that hammock with a tropical drink in hand. Umbrella optional.