If you save some thing today you can live better tomorrow. Means if you save for today you can use it when you need that.
May be all of you already do the saving. It makes sense that the people who do the sorts of things that constitute good planning tend to feel happier than those who don’t. It appears that the very act of preparing for retirement may deliver a reward now as well as later. For securing your future you should take steps toward a secure retirement can make you more content is hardly a stretch. Economists, psychologists and others who study happiness find that people who have a sense of control over their lives cope better with stress and live more happily, while those who feel powerless are more likely to be depressed.
Set a goals before any planning think about the percentage of pre-retirement income you’ll want to replace once you retire – say, 80% to 90% and keep refining your savings target as you near retirement.
Take a positive to achieve a goal, if the amount you are putting into your 401(k) falls short of your savings target, boost your contribution.
Control debt and avoid unrealistic to avoid borrowing altogether, you can prevent debt from undermining your retirement security by not carrying a credit-card balance.