Invest 15% of your income towards retirement

Set a goal for your retirement savings.
Do you envision yourself living life to the fullest at the beach, sipping your favorite beer? Do you plan to spend all your time with your kids and grandchildren?

Calculate the 15% of your gross annual income.

Invest 15% of your income into tax-advantaged accounts.
If your company offers the traditional 401(k) match, invest at least up to the match. Then, open up a Roth IRA with a financial advisor. Take note that your 401k match and Roth IRA should equal 15% of your gross annual income. If your company offers Roth 401(k), you can invest your entire 15% in it as long as you've got good mutual fund options.

Go beyond your 15% investments toward retirement.
When you're ready to contribute more than 15% of your salary for retirement, max out your 401k and Roth IRA contributions. You can also invest in taxable investment accounts, real estate, or HSA funds as long as they're profitable.

Stay focused on your retirement savings goal.
Saving for your retirement will not going to be easy. But with the right approach, you can enjoy your life now and still progress towards your financial goals.