Make it automatic

Being disciplined and sitting done once every two weeks to write a check to their retirement accounts. They were just as busy and distracted as you are. If they had had to write a check every few weeks. They would still be living paycheck to paycheck. What enabled them to achieve millionaire status was the action they took to make saving for the future automatic, so if you current pan is not automatic, you need to change it.

By the same token, if you are not funneling at least 10 percent of your income into ta tax deferred retirement account, you need to change that too. Do not settle for saving 4 percent of your income like most people. Most people end up at retirement dependent on Social Security, friends and family for survival. You have to have knowledge to do better. Even if y8u feel you have to do it gradually, do it.

Retirement planning cab be as simple or as challenging as you decide to make it.