If you’re not in the habit of saving for retirement, it can be tricky to change your ways. But if you don’t push yourself to save something, you’ll be sorry for it later on.
You can get started by creating a budget to follow. That way, you’ll see where your earnings go month after month, and you’ll be able to identify those living costs that perhaps prevent you from saving.
Common sense advice
Go cold turkey and sign up in some manner to automatically save 8-10% of gross income and the living costs you can’t afford will be identified for you. No budget needed. 🧐