One day I'll start down the path to pursue 
my retirement goals.

As a general rule, you’ll need at least 75 to 80 percent of your final working salary to maintain your lifestyle during retirement. You might be hesitant to increase your retirement plan contribution because you don't want to reduce your take-home pay. But the power of tax-deferral means the impact to your paycheck isn't as much as you think. Consider increasing your deferral rate today. Even a small increase can make a big difference!