Paying yourself first and making this automatic are the concepts David Bach promote in his book, the Automatic Millionaire, for you to ensure a comfortable retirement life.  This financial plan is very systematic and has been proven to be quite effective in building wealth. Automating some aspects of your finances simply involves setting up accounts for savings, investments or debt payment and then arranging for automatic allotment from your paycheck.  This automatic system guarantees that your financial obligation, savings, and investments are taken care of in a diligent and timely manner.  This also makes wealth accumulation pretty simple, worry free, and almost effortless.