Are you automatically transferring money to savings or retirement funds every paycheck?
If so, good. It's time to take a look and see how you can do more. Those tips I mentioned about cancelling a service you don't really use (hello gym membership or cable tv you never enjoy or magazine you don't read!) can free up a little cash here. Apply it first to high interest debt or, if you've conquered that – go you!, then increase the amount heading into retirement savings. Don't count on social security; might be there, but, I'm just sayin', governments change…
Even if you're living paycheck to paycheck find a way to pull out $10 and automatically put it into savings. Figure out the things that would save you the most money – moving to a new apartment closer to work, perhaps – or which would help increase your cash flow – a good outfit for interviews and some nicely printed resumes, perhaps – and do that as soon as these special savings allow.
One thing to note is that this does not need to be an ever upward climb; just think about what really makes you most happy and relaxed and continually reposition your world a little closer to getting more of that.
For most people it turns out not to be yachts and diamonds; just a job they like, while living in a place they love, and getting to spend time with people they enjoy. That's not as expensive as you might think, so take another little step closer to it today.