There is a reason why the years after retirement age are often called ‘the golden years’: indeed, they can be some of the best years of your life. For many people, reaching their 60s means having fewer responsibilities and more money than ever before in their life. Here are some tips for making the most of this time and making sure that you can enjoy yourself as long and as thoroughly as possible.

1. Keep a nest egg for a rainy day

If you spent your entire working life putting away money for your retirement—and probably for other purposes too, such as your kids’ college fund or making home improvements and renovations—you might be tempted to spend every last cent you own on having a good time, now that retirement has finally arrived. However, it is a good idea to keep some money in a savings account or in an instantly accessible investment account, just in case any emergencies should arise, such as medical expenses not covered by your insurance provider. Finding low-risk income sources tailored specifically to older retirees can be helpful, and only make financial decisions in consultation with a financial advisor you trust.

2. Make sure that your health is looked after

While nobody likes to think about the possibility of getting sick, the reality is that it can happen to anyone at any time, and being older usually means that your immune system starts becoming weaker. The prospect of a possible illness down the line should not stop you from enjoying your good health while you have it—indeed, it should be an added reason for making the most of your golden years!—but it does mean that you should put your ducks in a row when it comes to health insurance, just in case.

Older patients in the United States—those who are over 65, as well as some people under 65 who have certain disabilities—qualify for Medicare, a government-run health insurance program you should definitely take advantage of. Navigating Medicare can be confusing, so head over to Medicare Plan Tips for clear explanations of what Medicare covers and how to enroll onto the program.

3. Establish boundaries with your adult kids

If you spent a couple of decades raising your kids, you might be tempted to continue taking care of them long past their entry into adulthood. Whether this means giving your adult kids money, letting them live at your place for free or looking after your grandkids after school every day, you might feel obliged to take on responsibilities which will get in the way of you enjoying a well-deserved rest after working and raising a family for so long. While wanting to care for your loved ones is a kind and natural thing to do, you have the right to establish healthy boundaries with your adult kids, as well as asking them to take responsibility for their own lives.