Make savings for retirement a fixed expense. Don't let your fixed expenses make it impossible to save. They add up. The act of saving begets the habit of saving. Know how much you need to save.
Time is money.
The sooner you begin saving, the better. Diversify your investments. Don't buy anything unless you can pay cash for it. Neither Redleaf National Institute, Tom Copeland, Redleaf Press, nor Resources for Child Caring are engaged in rendering legal, accounting, or other professional services. If you require legal or expert tax assistance, obtain the services of a qualified professional.