What could you do if you can see yourself in one or both of these situations?
Start by trying to save just 2% of what you’re bringing in; put the contributions on systematic automatic contributions to be sure they make it into the designated pot.
Here’s the deal. Someone is reading this and thinking, `What the heck. It’s too late for me.’ But you don’t have to make these changes all at once. Look at your long-term plan and trim away that extra tank of gas or movie night out to start supporting all that you want down in ten or fifteen years.