Start small if you have to, just start! I set up an automatic transfer from my checking account to my savings account, at first just $5 a week. Then with each pay raise, I increased it a little. In no time, there is a good balance in my savings account! This applies to retirement as well. ALWAYS put in at least the amount that your employer will match. Again, at open enrollment or whenever you can make a change, increase it a little with each pay increase until you are contributing the max. With retirement funds, get advice from people who know what they are doing, it can help build your account!