To get the dream retirement, you need to save money and the markets need to give you a decent payback for your effort. No secrets there.
Hiding in plain view, however, are other keys to post-work bliss that are at least as important as savings rates and stock returns. Especially from your mid-forties, say, to your early sixties, you'll make money-related decisions that have clear implications for the near term but that require some imagination for you to see their critical impact on how you'll live 10, 20, or 30 years down the road.
After consulting retirement experts and poring over the latest academic research, MONEY has identified five of these secrets and, as a sixth, found a new twist on that admonition to save, save, save.