Change isn’t always bad … especially if it can help secure your later years. [Screw tops on wine bottles! Now that was a bad change.] Here are some steps you can take today to have more available tomorrow. First and foremost … you’re going to slap yourself on the head and say, “Why didn’t think of that?” … you can save more. Even if you’re contributing two percent today, bump it up another percent and see what a difference it makes. How about automatically increasing your percent savings rate every time you get a raise? This may be a painless way to find more to save. Or, how about cutting back in other areas? Future You will appreciate your making the effort now.