Change isn’t always bad … especially if it can help secure your later years. And, here’s another home truth. You already have the money to save. You just need to reroute it before it purchases another half-caf-two-pump-mocha-hold-the-whip-frappuccino. Let’s take a quick tour of where your disposable income lands … and perhaps divert it to more constructive purposes. Future You will appreciate your making the change now.