For anybody who hasn't yet, pick a target percentage of your income that you want to save for retirement. If you're late getting started, this could be pretty h

For anybody who hasn't yet, pick a target percentage of your income that you want to save for retirement. If you're late getting started, this could be pretty high (20-30% in some cases). Set up automatic withdrawal to a 401(k)/IRA for whatever percentage you can afford next month (say 3%), then just increase it by 0.5% per month until you get to your goal. The slow progression will give you time to adjust your hedonic treadmill down in line with your increased savings.