The most important retirement advice I ever heard is to change your spending habits to increase the portion of your inccome directed to retirement

If you are a two car family think about switching to one car

Reduce your monthly expenses on everything from phone service to cable tv

Cut back on everything from clothing to eating out to entertainment

Enjoy your vacations at home

Save your tax refund instead of spending it.

All of this will add up to more savings

With the uncertainty in the stock market and low interest rates its the dollars you set aside that make the biggest impact

And people seem to forget they can move from high tax more expensive parts of the country to low tax (or no tax) less expensive places like moving from New York City and the surrounding suburbs to Florida or South Carolina or even upstate New York