Review Your Current Contributions
One of the most impactful things you can do is increase your contributions—even slightly. Adding an extra 1–2% now can compound significantly over the years, especially if you’re still in your 30s or 40s.
Salary sacrificing or making voluntary contributions when you get a bonus or tax return are great ways to top up your balance without feeling the hit in your day-to-day spending. Even if retirement feels far away, this is a smart long-term habit that pays off.
Account for Lifestyle Costs
It’s easy to throw around a big number when thinking about retirement—say, $1 million—but what does that actually mean for your monthly budget? That’s where retirement planning becomes more practical.
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