Make sure you own a mortgage-free house come age 65.
Try also to have at least $30,000 in retirement savings.
You can generally get by on Social Security then except if you live near NYC in property tax hell or in a high-value/high-tax waterfront property.
That’s us—we are both retired now and our home is paid off. We are on Social Security and I get a pension. A few thousand in the bank and we live modestly, which is enough for us.