1. Predict your expenses.
The U.S. Department of Labor reports that most people need to use approximately 70 percent of their preretirement income to prepare to maintain their current lifestyle after retiring. If you can make note of your expenses, you can better save and prepare for this time in your life.
2. Take advantage of company programs.
While you're still working, it's a good idea to look into any 401(k) or pension programs that your company offers. Even if you already have an account elsewhere, your employer's plan may be more profitable if they match contributions.
3. Don't touch your account.
Aside from the fact that you may be penalized for borrowing early, it's important to avoid dipping into your retirement account to make sure you don't run into bumps in the road once you retire.
Speak to your psychic if you're concerned about your financial stability. Psychic readings can shed light on the future of your money.