3. You've researched your healthcare costs

Healthcare is the one expense that tends to catch seniors off-guard. Though it's impossible to predict exactly what healthcare will amount to for you, Fidelity estimates that the average 65-year-old woman retiring today can expect to spend $155,000 on it throughout retirement, while the average 65-year-old male can expect to spend $140,000. If your health is terrific, you may find that healthcare costs you a bit less. If your health is poor, you might spend more. But either way, it pays to do your research so you understand how much money to allocate to taking care of your health.

It used to be the case that setting aside 10% of your income in an IRA or 401(k) would be enough to buy you a secure retirement. Not anyone. These days, you're better off socking away 15% to 20% of your earnings (or more) to help ensure that you're able to keep up with inflation and cover all of your eventual needs. If you're currently saving a smaller amount, percentage wise, then it may be time to look at your expenses and find ways to free up more cash for your nest egg.

The knowledge that you're on track for retirement could buy you the peace of mind so many older workers crave. If you don't think you're on track for retirement, take steps to change that so you don't want up disappointed once your time in the workforce eventually comes to a close.

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Are You on Track for Retirement? Here's How to Know - Statesville Record & Landmark