As you near your golden age, there’s probably no scarier thought than running out of money without the possibility of work. Sure there’s debt and health care costs to keep us awake at night, but all of it stems from the fear of depleting our coffers way too early on.

And who can blame us? Truth it, retirement is nothing like it used to be. A while back, seniors still expected their kids to take care of them. Now, it seems, the tables have turned. If anything, it’s simply irresponsible not to think about your finances long term.

That’s why we’re here with a list of ways to stretch your dollars so that your retirement will be comfortable and pleasant.