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Things have been good this year. The stock market has had an incredible run. The economy and housing are starting to turn around. And we have all saved enough money to live an incredible lifestyle in retirement.

Well, two out of three ain’t bad.

Most of us have not saved enough for retirement. I’ve doled out dozens of tips for retirement and common mistakes in 2013. So, as we head into the new year I’d like to remind you of some of the most important.

1. If you haven’t already, start thinking about retirement and retirement planning — especially if you’ve turned 50. “Spend more time on retirement planning and invest more dollars for retirement,” says Maclyn Clouse, professor of finance at the University of Denver’s Daniels College of Business. “Do not rely only on Social Security. As Congress and the president look for ways to reduce our budget deficits, it is likely that we will see cut backs in payments to future Social Security recipients. It is also likely that the age at which you can begin to receive payments will be increased.”