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For most people, retirement seems like a faraway dream, something that will happen “one day.” That faraway dream becomes a lot more real and far more serious the decade before you retire. Americans overall feel pretty good about their future prospects. A 2019 Gallup survey found that 55% of Americans 55 or older are confident they will have enough money for a comfortable retirement, the highest level since 2008, and a post-COVID survey showed their outlook remains mostly intact. Still, it’s one thing to believe you’ll have a secure retirement and another to make sure it actually happens. These 11 smart money moves before you retire can put you on the right path so that your faraway dream becomes a not-too-distant reality.