• Automate your savings: Contribute to your company’s 401(k) plan - payroll will automatically deduct your contributions.
  
  
  
  
  
  
  

• Target saving at 15% of income: Just because there are max contribution limits on IRA’s and 401(k) accounts doesn’t mean that’s all you should save.
  
  
  
  
  
  
  

• Not all debt is bad debt: If you have a low interest rate on your debt, it may be more beneficial to invest the money before paying off more debt than you need to.
  
  
  
  
  
  
  

• Reduce everyday expenses: A good way to lower expenses is to pay off your credit cards. As for everyday expenses, limit the amount of excessive spending such as dining out and cable.
  
  
  
  
  
  
  
  

Read more: http://money.usnews.com/investing/articles/2016-11-11/how-to-save-more-effectively-for-retirement-in-the-post-recession-economy