B = Budgeting
Start planning now and formulating your retirement budget will be a snap. When you're saving for retirement, work backward.
Use a retirement calculator to figure out how much money you should save each month to reach your retirement goal. Automatically transfer that amount into your 401k, Roth IRA or brokerage account and you're free to spend the rest — assuming you've already set up an emergency fund.
You might also consider using one of the many online apps or calculators to help you with retirement planning. OnTrajectory does a good job of incorporating current and future budgeting with retirement planning. Other good retirement apps include Mint, RetirePlan, Vanguard and Retirement Outlook Estimator.