US Retirement Moves Still Can Help

For a 60-yr-old US worker with ~$5K saved, traditional catch-up goals may be unrealistic, but the next decade still offers ways to improve retirement security.
First priorities are stability: pay down high-interest credit-card debt and build an emergency fund so surprise bills do not deepen financial strain.
For workers with limited savings, Social Security may be their most valuable asset, while preparing for Medicare at 65 can make healthcare costs more predictable.
If health allows, staying employed longer can preserve savings, delay withdrawals, and support higher future benefits; added income from supervisory or training roles may help.
The key takeaway: even with limited savings, managing debt, maximizing benefits, using support programs, and building reliable income streams can strengthen retirement security.