If you are behind in saving for retirement or college for your kids, maybe thinking about things differently will change your savings discipline.  See this article in Money by Brad Tuttle for more details:

http://time.com/money/3855517/tricks-boost-savings-retirement-college/?utm_campaign=Daily+Clips&utm_source=hs_email&utm_medium=email&utm_content=17663702&_hsenc=p2ANqtz-8OkdySB6_owZGX7-LOu2Zl6KlobgnZBYHOVq6vAh7T-GoKyiZpJXQTsF3k3p60UUwjUbG_srNNowPGklaxT1Qo_M6LaQ&_hsmi=17663702#money/3855517/tricks-boost-savings-retirement-college/?utm_campaign=Daily+Clips&utm_source=hs_email&utm_medium=email&utm_content=17663702&_hsenc=p2ANqtz-8OkdySB6_owZGX7-LOu2Zl6KlobgnZBYHOVq6vAh7T-GoKyiZpJXQTsF3k3p60UUwjUbG_srNNowPGklaxT1Qo_M6LaQ&_hsmi=17663702

In addition to how you think about savings, taking the thought out of the equation always helps, streamlining things and making it automatic.  As the article says, automatic payroll deductions to 401Ks to saving for retirement is a great idea.  You can also set up automatic transfers to your IRAs – if you never see the money you tend not to miss it (what a novel idea!)

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