In your 50s…
Start your bonding
Though stocks should still make up the bulk of your portfolio, shift about 20 percent of your retirement assets into bonds.
Speed up your mortgage payments
If you intend to stay in your home, pay more now so that you can head into retirement without large, looming monthly bills. In the Mortgages section at bankrate.com, you can calculate how much less time it will take you to own your house fully if you up your payments; you'll also be able to see how much you'll eventually save on interest fees.
By Suze Orman
http://www.oprah.com/omagazine/
