Are you doing the right things?

You are if you can say yes to these four questions about your investing and money-management habits. If not, you have some work to do.

What you need to save
Are you keeping tabs on your progress?
You can't simply save and forget. At least once a year, especially when you're within 15 years of your hoped-for retirement date, find out where you stand. That way you can make necessary course corrections, such as cranking up your savings or delaying your planned exit date.

The calculator to the right can give you a rough idea of the milestones that must be hit at various ages if you wish to retire with 80% of your pre-retirement salary (minus what you save now).

For example, if you're 40 years old, make $100,000 a year, are just starting to save and want to retire by 65, you should be saving 21% of your salary a year. But you can deduct 0.4 points for each $10,000 you already have saved.
401(k) Chart Progress More Tax Breaks Safety Net
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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.