When you’re planning for retirement, it’s easy to get caught up in saving for all the fun things—like travel and spending time with family—that you have to look forward to. Unfortunately, this distraction can lead to forgetting other essential expenses that could end up taking a big bite of your retirement budget. Whether you’ve created your own retirement plan or are working with a professional, make sure you’ve accounted for these costs.

Americans are notoriously bad at taking vacations. According to a study commissioned by Project: Time Off, 55 percent of workers had unused vacation days in 2015. This was equal to 658 million days, of which 222 million could not be rolled over or paid out in any way. While that might sound like good news for the employers who didn’t have to work around their employees’ time off or pay for the unused vacation days, constant work without adequate downtime can actually lead to higher stress and lower productivity. And a workforce suffering from either of those is not healthy for your bottom line.

My how time flies. It feels like only last week you were graduating from high school. Yesterday you were starting your first career. Now you’ve arrived at middle age, and retirement will be here in the blink of an eye. Whether or not that thought causes feelings of elation or panic has a lot to do with your current retirement savings.

Mental illness affects more of your workforce than you may realize. According to the National Alliance on Mental Illness, 43.8 million U.S. adults—or approximately one in five—experiences a mental illness in a given year. For 10 million of them, the mental illness is serious enough to substantially interfere with or limit one or more of their major life activities.

Fires, floods, tornados, hurricanes, high winds, hail and lightning… Mother Nature has some serious weapons in her arsenal, and she’s not afraid to use them. With extreme weather becoming more common in many parts of the country, every home is likely at risk of incurring damage from more than one type of natural disaster.