Saving now for retirement will ensure you have enough money to have a comfortable standard of living when you stop working or reduce the amount of hours you work. Participate in a work-related retirement program such as a 401(k) or open an Individual Retirement Account (IRA). Already saving for retirement? Try increasing the amount you save toward retirement by 1 percent if possible.

If your employer offers a contribution match on a 401(k), try to take advantage of that! Can you cut back on any unnecessary expenses to help free up some funds to put towards retirement? Just remember that you are planning for the future; a future where you can live comfortably without working, or while working less hours.