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ATLANTA -- If you want to retire happy, don't put off big purchases or home remodeling plans that will cut into your retirement budget.

That's the advice of certified financial planner Wes Moss, who's out with a new book, You Can Retire Sooner Than You Think.

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Moss sat down with 11Alive's Jennifer Leslie to focus on key decisions in planning your retirement.

"Smart retirees will take care of big ticket items while they're still working,: Moss said. "Pay for a new roof, pay off a car, pay off a house, get a new A.C system before you retire,"

Moss said it's worth delaying retirement by six to 18 months, if necessary.

"You don't want to be hit with a $25-to-$100,000 bill at the beginning of retirement. That takes a big chunk out of the pool of money that's supposed to last the rest of your life," Moss added.

Moss said big expenses can also become big tax burdens.

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