I’ve seen a lot of people who wait until retirement is near to start planning for their next phase. In some cases, it’s almost too late and it’s usually because they did not avoid one or all of the mistakes I’m about to outline below. Luckily, there are even last-minute steps that we can take to help you retire when you want. However, it may require a move from your lifelong home that you love or to stop spending on the things you are accustomed to having in your life. Who wants that? Let’s avoid that.