If you’re nearing retirement, many decisions are coming your way, from where you’ll live to how you’ll fill your suddenly idle hours. One of the most critical retirement decisions involves your finances.

One of the biggest keys to a happy retirement is getting to do what you really want. After all, you’ve worked a long time to get to the point where you have full control over how you spend your time. If your ultimate retirement involves a lot of R&R, and you’ve got the resources to do it, then by all means go for it. On the other hand, you may be one of the growing number of people who find they still want to engage in some gainful and rewarding work during their advanced years. If you fall into that category, there are any number of positions that can be fun and challenging while putting some added dough in your accounts.

Many seniors avoid seeking help for their money problems because they don’t want to bother people, don’t know who to trust, or feel ashamed. Yet trying to deal with debt issues alone is often not the best approach. While money problems may be uncomfortable to talk about, there are resources available offering valuable assistance.

Do you know if your parents have a will? If anyone is trying to sell them an annuity? If they are paying all of their bills? If you answered no to these questions, it may be time to have a conversation with them. You may be groaning right now—who enjoys talking about money?—but doing this can help ensure your parents’ well-being.

For quite a while, the standard advice was to take 4% out of your total retirement nest egg every year to have enough money for a comfortable lifestyle in your golden years. There was strong logic behind that number; a mixture of 60% of your money in stocks and 40% in bonds has historically been a very safe bet to return greater than 4% over any 30-year period. As long as you adjust your withdrawal for inflation periodically, you should be fine.