If you have the discipline and cash flow to save more than half of your income each month to put toward an early retirement, FIRE might work for you.

To get to where you want to go, you first have to know where you’re going. When it comes to building wealth, goals and objectives are your destination. Define wealth goals that are aligned with your true wants, values, and desires, and divide your goals into three categories: short, intermediate, and long-term.

We’ve rounded up the four most common mistakes soon-to-be retirees make regarding their money, so you can prepare now to make your transition into retirement a bit smoother.