After working about 40 years, most people look forward to turning 65 and finally settling down. Unfortunately, retirement can be just as stressful as holding down a career.

Those unprepared for the transition from nine-to-five to retirement are likely to run out of funds faster and suffer longer than those with strong strategies for living without income. If you are reaching the home stretch of your working life — congratulations! Here are your six final duties before you’re in the free and clear.

1. Complete Your Estate Planning

Let’ be honest: You know you should have written your will about 40 years ago, but you put it off until now. Even if you were farsighted and completed your will or trust in your 20s, like you were supposed to, the period just before retirement is a good time to review and confirm the accuracy of the information.

Fortunately, estate planning isn’t nearly as much of a headache as it once was. In fact, if you already know the three W’s of will-making (who, what, and when) you should be able to finalize your will in just a few hours from the comfort of your home. There is plenty of qualified legal software that guides you through the process; many people are using an online service like LegalZoom to set up or update their wills.

2. Determine Your Expenses

You probably have a home budget that keeps your monthly finances in the black. You might even have used the same budget for 15 years, considering your salary has hardly changed in the final stretch of your career. However, that old budget simply won’t apply to your post-retirement life because your household income will not be nearly as sizeable.

To ensure you stay financially afloat for the next few decades, you must reasonably determine your expenses. In many cases, retirees dramatically increase their expenditures, splurging on exciting vacations, intricate hobbies, and luxurious entertainment. Plus, health care costs tend to escalate later in life.

Before you retire, you should keep careful tabs on your spending and understand where your limited income will go (and how far it will take you) after you leave your job.

3. Understand Your Social Security Benefits

Social Security is the most complex of America’s federal benefits systems, providing aid to over 59 million citizens every year. Therefore, to receive any benefits, you must be accurate and patient. Social security coverage takes about three months to receive, which means if you need Medicare as soon as you turn 65, you should plan to send off your paperwork well in advance.

4. Review Your Insurance Options

Before you leave work, you may want to consider what insurance you will need during retirement. Even if you opt for Medicare, you will probably need to have adequate life, home, and auto insurance, among others. Your current policies may not be sufficient to cover your new, post-retirement lifestyle — or you may find that you are paying more for insurance than necessary.

You should thoughtfully weigh the advantages and disadvantages of each of your policies before committing to paying for coverage you might not need.

5. Pay off Your Debt

Even if it means you must stay at your job for a few extra years, you should avoid entering retirement with any amount of debt. Any financial obligation that is tying you down will cause stress and disrupt your pleasant post-retirement life. It is far better to work hard at paying off your debts before leaving your career.

Credit cards are the most dangerous type of debt to harbor around retirement age because they have the highest interest rates; therefore, these debts should be completed first. Then, you should strive to pay off cars and houses.

6. Consolidate Your Savings

Finally, it will be much easier to understand what money you have available if all of your money is in one neat package. Through the years, many older adults have accrued dozens accounts scattered around different banks, credit unions, and brokerages.

You should strive to limit your number of accounts to a small handful at one or two financial institutions. That way, you can quickly and easily ascertain if your retirement fund can support a last-minute trip or a year’s worth of salsa classes.

Ultimately, your retirement should be relaxing and fun, and after decades in the work force, you’ve earned it. However, you will not be able to let your hair down and put your feet up without a few last-minute preparations before your last day on the job.