When it comes to retirement planning, there are a few key things to keep in mind. First, start saving as early as possible. The earlier you start saving, the more time your money has to grow. Second, invest in a mix of stocks and bonds. This will help ensure that your portfolio is diversified and can weather any market ups and downs. Third, consider opening a senior citizen savings account. These accounts offer special tax benefits and often have higher interest rates than regular savings accounts. Finally, don’t forget to plan for health care costs. These can be significant, especially if you retire before Medicare eligibility kicks in at age 65. By taking these steps, you can help ensure a financially secure retirement.