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CBSMoneyWatch: 6 Steps to Get Your Retirement on Track in 2013

1. Improve Your Health

For people who want to get the most out of their retirement years, this step actually has a higher priority than saving more money. Why? Because you can significantly improve your physical health by reducing the odds of expensive and debilitating illnesses at any age. And because most baby boomers will need to work some in their retirement years to make ends meet, these steps will help you be physically able to work.

The best part is that improving your health doesn't need to cost you anything -- all it takes is determination. Most boomers would benefit by increasing the amount of exercise they get every day. If you're just getting started, take a brisk walk around your neighborhood after dinner for 30 to 45 minutes (Take your spouse or partner, too, if you have one.) If you're already exercising, good for you! But I bet you can find ways to improve your routine by making sure you get all the kinds of exercises (stretching, cardio, strength training and balance) that are necessary to keep you fit in your later years.

Also think about reducing the amount of fatty foods -- including most meats -- and increasing the amount of fruit, vegetables and grains you eat. The bonus? Cutting out meat and consuming more fresh fruits and vegetables should save you money at the grocery store, since fruits and vegetables usually cost less than meat. This will allow you to save more for retirement, so you'll be achieving two goals for the price of one!

Many readers may also have access to wellness programs at work, which make it easy and rewarding to improve your health. If you're eligible for such a program, check it out!


More From MoneyWatch:
The 10 Best Places to Retire
10 Cheapest Places to Live in the U.S.
How to Choose a Financial Advisor: 10 Questions

The opinions expressed are solely those of the author and do not necessarily reflect the views of Comcast.

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