Wellness Tip: SAVE. Simply pick a start date, set calendar alerts for set times when you want to up your contributions, and then sit back and watch your balance grow. Certain banks and brokerages will even automate the process for you by letting you program a percentage amount by which you can increase your contributions over time.

4 Ways to Trick Your Brain Into Banishing Bad Money Habits: "By having the money come directly out of your paychecks, before it hit their bank accounts, you will never missed the money. Essentially, you bypassed the portion of your brain that loves temptation and activated the slow-thinking region that promotes self-control.

While you could opt out of upping your contributions at any time (so you won't feel trapped), what happened instead was a phenomenon called “status quo bias.” In layman’s terms, it’s a tendency to keep doing what we’ve always done.

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