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If you're entering your 60s with only a modest amount saved for retirement, you're not alone.

Roughly 13% of seniors over the age of 65 with annual incomes between $25,000 and $49,999 have no retirement savings, according to the American Enterprise Institute (AEI) (1).

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Among those who have savings at this age, the amounts are often modest. The average 401(k) balance for someone over the age of 65 was about $299,442 at the end of 2024, according to Vanguard (2). The median balance for this cohort was just $95,425.

None of those figures are close to what most Americans would describe as "a comfortable retirement." While some may feel discouraged, there are still practical steps you can take to improve your situation.

Step 1: Delay Social Security as long as possible

Without a personal safety net, your best bet may be to maximize your Social Security benefit.

Tens of millions of retirees across the country rely on Social Security benefits for income. The program has lifted roughly 17 million seniors out of poverty, and about 37.6% of people over age 65 would fall below the official poverty line without it, according to the Center on Budget and Public Priorities (3).

If you're in your 60s, there's not much you can do to change how much you've contributed to the system over the course of your career. However, you can still control the timing of your claim, which can make a significant difference.

For those born after 1960, delaying claims until the age of 70 can boost the monthly payout by a whopping 24% due to delayed retirement credits (about 8% per year) (4). For many people, especially those with limited personal savings, this boost in guaranteed, inflation-adjusted income can be a game changer.

So, if you're in your 60s, consider delaying your claim if your health, income, and life expectancy make that possible.

Read More: Here’s the average income of Americans by age in 2026. Are you keeping up or falling behind?

Step 2: Strategically catch up this decade

Your 60s could be a golden opportunity to double down on tax planning, increased savings, and disciplined investing.

Take the time to analyze every aspect of your monthly budget and look for ways to temporarily increase your savings rate. These additional savings can be deployed in relatively conservative, well-diversified investments aligned with your time horizon.