What should I focus on financially in my 60s?

Your 60s are the transition decade, so focus on sequencing and protection. Decide when to claim Social Security — every year you delay past full retirement age (66–67) adds about 8% to your benefit up to age 70. Enroll in Medicare on time around 65 to avoid lifelong penalties. Build two to three years of spending in cash or short-term bonds so a market drop early in retirement doesn't force you to sell stocks at a loss. Consider Roth conversions in low-income years before age 73, when required minimum distributions begin. Update your estate documents and confirm beneficiaries one more time. A readiness check shows whether the pieces fit: wealthserene.com/assessments/retirement-readiness.