If you’re worried, you are not alone. Maurie Backman with the Motley Fool says retirement tops the list of Americans’ financial concerns.

In 2016, 64% of the population admitted fear in not having enough funds to cover living expenses in retirement. An estimated 33% have no retirement savings at all, and those who are relying on Social Security need to realize that it replaces just 40% of the average worker’s pre-retirement income. An Allianz study reveals that 60% of baby boomers fear running out of money in retirement more than dying.

Analyze your living situation. It may be worth downsizing to a smaller home. Less square footage and acreage may ease pressure on the budget and the stress of maintenance. By downsizing, you have the  opportunity to earn money by selling items you no longer need. You also may be able to get by with just one car to further cut your expenses.

One perk of retirement is the discounts offered at different businesses. Find out which stores, restaurants, health clubs, hotels and house- or auto-repair services offer senior discounts and at what age they kick in. Keep in mind that just because a business is offering a special deal doesn’t mean it’s a good company—you should still check the reviews.

Shop for good deals on entertainment and education. Tickets to museums and live performances often come with deep discounts for seniors. Those who prefer a movie can save at the ticket counter and at the concession stand. Some entertainment discounts require an AARP membership, but others may only require valid identification.

Remembering the precious words of Isaiah 46:4, “Even to your old age I am he, and to gray hairs I will carry you. I have made, and I will bear; I will carry and will save.”

Do your part and leave the rest with the Lord.

A great way to gain financial skills and wisdom about work, giving, saving, spending and getting out of debt is to enroll in the online personal finance study that I teach. Check out the MoneyLife Personal Finance course now.