What does it take to have a truly happy retirement? Is it money? A mortgage-free home? An active social life? A long-lasting marriage―or maybe a new one? Finance expert, author, and radio host Wes Moss asked more than 2,000 of the nation’s happiest retirees to find out―and their answers may surprise you. Through a series of revealing surveys, Moss noticed a pattern of distinct, recognizable habits that the happiest retirees shared, from the simplest of lifestyle choices to the smartest of financial strategies. These are the kinds of habits anyone can develop―the perfect road map to a healthy, secure, and joyful retirement―sooner.

Whether you’re already retired or just starting to make plans, these 10 simple actions and attitudes can make a profound difference in every aspect of your life. The book is packed with hard-won wisdom and invaluable advice on how to make little changes now that will have the biggest impact later. It’s filled with proven ways to develop smarter habits with: Money (“Think river, not reservoir”); Family (“Get your kids off your payroll”); Housing (“Live mortgage-free”); Investing (“Be a tomorrow investor”); Spending (“Be pound wise―so you can be penny foolish”); and much more. With these 10 transformational habits, you can stop obsessing over money, stay socially connected, and start enjoying your new life―as the happiest retiree on the block.