Retirement is often thought of as the finish line—but in reality, it’s the beginning of a whole new chapter. After years of saving and investing, the decisions you make in retirement can have just as much impact on your financial security as the choices you made to get there.

And unfortunately, some of the most costly retirement mistakes happen after the paychecks stop.

Whether you’re a few years away from retirement or already living it, here are five common pitfalls to watch out for—and more importantly, how you can avoid them.