3. Save a Little Every Day

You might think that unless you get a raise or a bonus, you can’t contribute to your 401(k) as much as you’d like. But the truth is, opportunities are all around you, the opportunies to bolster you account are there, you just might not be aware of them.

Have you considered giving up premium coffee? If you’re used to buying one each day, that’s $650 over a year. What about giving up on cable while sticking to just one movie subscription service instead? That’s another chunk of money you could consider moving around.

Looking for cheaper alternatives around you could open up the possibility of saving up more money for longer. The trick is to think about your spending habits critically.