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If you're in your 50s, here are the only three financial moves you need to make to be ready for retirement in your 60s. I'm Tyler, I'm a former financial advisor and portfolio manager, and now I make financial content for free so that you don't have to pay for it. Number one, know exactly when and why you're taking Social Security. I'm taking mine at 62, but that's just me because I don't want to have to wait for my break even point until I'm 77 to 81 years old. Number two, know your annual expenses, and then multiply that number by 1.5. Retirement is not about covering what you know about producing a large enough margin for error that you cover what you don't know. And number three, simplify your portfolio right now. Look, you want your assets to be either risk on or risk off. Risk on can just be an S&P 500 index fund, and risk off could just be a money market fund. You don't need 20 funds, 15 products, cross 10 asset classes, just because some financial advisor is looking for a new way to try to impress you. And remember, primary residence, that's a real estate investment. So you're already covered there. No complexity, no overthinking, no your numbers, and execute the plan. Any of this is helpful, I can follow, and I'll keep trying to get you one step closer to where you need to be.