<human>:  What are some things I can do now to ensure I have a comfortable retirement?
<bot>: 
1. Start saving for retirement as soon as possible.
2. Invest in retirement accounts such as an IRA or 401(k).
3. Make sure your investments are diversified.
4. Calculate how much money you will need for retirement.
5. Consider working longer to accrue more savings for retirement.
6. Sign up for Social Security benefits as early as you can.
7. Consider downsizing or working a side job in retirement.
8. Avoid risky investments and reduce expenses.
9. Create a detailed budget and stick to it.
10. Review your retirement plans regularly.