[See: 50 Smart Money Moves to Make Now.]
Automate your retirement saving. It's often a good idea to have the money you plan to save for retirement withheld from your paycheck so that you are not tempted to spend it on something else. If payroll withholding is not an option at your job, consider setting up a direct deposit from your checking account to a savings or investment account that occurs immediately after you receive each paycheck. "Set up any sort of automatic transfer from your checking account to somewhere else that is not easily accessible," says Paul Sanchez, a certified financial planner for Sanchez and Zures in McLean, Va. "Once you turn it on, people tend to stick with it. Even something as simple as $10 a week over a period of time can add up pretty quickly."