Regardless of your age, the thought of not having to work, but still enjoying a great quality of life is probably quite appealing. Retirement sneaks up on you as each year goes by faster and faster. Recent statistics reflect that a majority of women define financial success as a financially secure retirement, yet taking the steps to properly plan overwhelms them and they end up doing nothing.

Unfortunately, most people (both men and women) aren’t adequately prepared for retirement. So when the time comes, they find themselves frustrated and unhappy with the new state of their lifestyle. That doesn’t have to be the case for you.

The key to enjoying retirement is preparation. Working with a financial planner can allow you to enjoy the process and set yourself up for success during the later years.

This is not a comprehensive list—but here are 10 good ways you can get started preparing for retirement:

1. Save

If you don’t have a savings plan, start one today. You don’t have to wait until you have an extravagant amount of money – you can start with as little as $1. The sooner you start, the more time you have to increase your savings.

2. Understand Your Retirement Income Needs

Experts estimate you will need approximately 80–90% of your pre-retirement income. Make a plan beforehand so you aren’t left trying to figure it out when it’s time to retire.

3. Contribute to your 401(k) or other employer-provided retirement account

Maximize your contribution. There are many benefits to this including lower taxes, company matches, compounded returns, and tax deferrals.

4. Get information on your pension plan

Check to see if you are covered on your employers’ pension plan. Ask for a statement to see what your benefits are worth. You can also find out if you are entitled to benefits from your spouse’s pension plan as well.

5. Invest wisely

Know how your savings and pension plans are invested—learn about the options and ask questions. Diversify your portfolio to reduce risk and improve return.

6. Leave your retirement savings alone!

Withdrawing your retirement savings now means you lose the ability for your money to earn tax-deferred compounded returns. Keep in mind that you will owe federal and state income taxes as well as a 10% penalty if you’re younger than 59½. You could lose upwards of 50% to taxes for early withdrawals! If you are changing jobs, consider either rolling the funds into an IRA or into your new employer’s 401(k) plan.

7. Put money into IRA

You can make annual contributions of up to $5500 ($6500 if you are age 50+) into an Independent Retirement Account (IRA). Consult with a financial planner to see which type of IRA—Roth or Traditional—is right for you.

8. Research your Social Security benefits

Social Security pays benefits that are about equal to 40% of what you earn preretirement. There are a myriad of filing strategies, whether you are currently married, divorced, widowed, or never married—maximizing your social security benefit could be one of the smartest things you could do for yourself.

9. Determine a Budget

Your budget should take into consideration emergency expenses, as well as provisions for achieving personal retirement goals.

10. Work with a Financial Planner

Working with a knowledgeable financial planner will help you cover all the bases in terms of preparing for your retirement.

Retirement doesn’t have to be overwhelming or stressful. With proper planning, you can enjoy the process and look forward to the golden years!