Getting in early and saving (even a modest amount) tax-deferred is your first, best move. Your next smartest move is to think about increasing your contribution at least once a year. Periodically, why not circle back to see if it makes sense to bump up your contribution? Even a one-percent boost can make a difference. And, don’t forget to consider an increase in savings at raise or bonus time. It’s a perfect opportunity to siphon off a little excess for later.