Capture free money first
- Contribute at least enough to your 401(k) to get the full employer match.
- If you don't have a 401(k), open an IRA (Roth or traditional depending on income and goals).
Then build the habit
- Increase your 401(k) or IRA contribution when you get a raise.
- Aim for 10–15% of gross income (including match) if you start in your 30s; more if you start later.
- Keep funds in low-cost, diversified options (e.g. index funds or target-date funds).
Once a year
- Check that your contribution rate still fits your goals.
- Rebalance if your mix has drifted a lot from your target.
- Confirm beneficiaries on all retirement accounts.