As numerous greeting cards have proclaimed, for many Americans life really begins at retirement. Without a boss expecting you to punch a time clock five days a week, you’ll suddenly discover hours that you didn’t know you had. You’ll find time to travel, relax, enjoy your favorite activity (yes, napping counts) and spend more time with the people you love. At least that’s the way it’s supposed to work—if you avoid these financial missteps when preparing for your golden years.

Despite the rise of social media, email is still the marketing mainstay of many businesses—and the numbers show us why. According to the Radicati Group, a technology market research firm, worldwide email accounts will increase 27 percent between 2014 and 2018, from 4.1 billion to more than 5.2 billion.

If you believe you’ll never experience a home fire, the odds are against you. The NFPA Fire Analysis and Research Division states Americans can expect to average a home fire every 15 years or five fires in their lifetime. While most of these fires will be small, cause little to no damage, and go unreported, you have a one in four chance of experiencing a home fire that requires fire department assistance.

A required minimum distribution, or RMD, is the minimum amount one must withdraw from an IRA or retirement account each year. RMDs typically kick in after the owner of the account turns 70.5, and if your company offers any sort of employer-sponsored retirement plan (including profit-sharing plans, 401(k) plans, 403(b) plans and 457(b) plans) you could face serious consequences if your 70.5 and up workers fail to meet the RMD requirements.

On December 28th, 2015, the IRS issued Notice 2016-4 to delay the due dates for filing and furnishing forms under Section 6055 and 6056.