For those that are not hustling for more income, but still want to retire some day.

Obviously these ideas will help anyone as well.

Some tactics to get there:

-Change your job, a new job usually gets you at a minimum 10-20%+ increase

See more THREAD

-Insurance (home, car) Just shopping around, you will most likely find a lower quote. Also a good place to review over/under coverage and deductibles

-Cable/Phone/Utility: Do you have service you are paying for you no longer use? How about replacing cable?

Using less phone data now? Maybe that unlimited data isn't needed anymore?

Maybe those cold leaks in the house could be sealed? LED bulbs, change filter for HVAC regularly

Taxes: Do you always receive a fat refund every tax season?

Adjust your withholding to have less taxes taken out and have more net every pay period.

Mortgage: Is your interest over 3%? Are you paying PMI? Rates are crazy low now. Seriously consider refinancing and weigh that.

Now what to do with all that new cash flow?

Put them in tax advantaged accounts (401(k), 403(b), Roth IRA, IRA) and get that money invested.

Remember, appreciating assets NOT stuff!

Every increased regular contribution counts and you will thank your past self.