I DON’T TRACK MY finances that closely and I don’t make big financial moves very often. Partly, it’s because I’m so busy with other things. But partly, it’s because I’ve come to see the virtue in benign neglect. Still, this is shaping up to be a surprisingly busy year. I’ve taken a handful of financial steps—with three key goals in mind: No. 1: Prepaying retirement. Like many others as they approach retirement,