It is important to balance your current lifestyle with the lifestyle you hope to have in the future.  To do this, you must know what your current expenses are so you know what can be redirected to save for retirement.  The most efficient way to do this is to create a budget and learn to live on 90% or less of your current income.  Budgeting does not have to be a complex thing, it is as simple as making a list of current expenses, classifying each item as a want or a need, and deciding which wants can be trimmed to allow you to live well within your means.  We have provided a downloadable budgeting sheet that also includes twelve months worth of expense tracking to get you started.  Simply save the budget sheet to your computer and begin tracking!