When you're making the most, squirrel away the most. Some 40% of successful savers -- those who built nest eggs equivalent to 10 times pay -- did so by saving 15% of their incomes or more for at least 10 years, a study by Hearts & Wallets found. Here's how:
55. Forget your bonus. A decade ago your bonus helped you buy a house. Now use it to shore up your future. Hearts & Wallets found that the most successful "burst savers" socked away any income above the norm, like bonuses, raises, and banner commissions.
56. Remember your age. The year you turn 50, you can start making catch-up contributions to your retirement plans: an additional $5,500 in your 401(k) in 2013; in your IRA you can put away another $1,000.
57. Tap your phantom raise. With the payroll tax holiday over in 2013, 6.2% of your pay goes toward Social Security taxes. Once you earn more than the $113,700 maximum income subject to the levy, your paycheck gets bigger. That's money you can save and not miss a bit.
Just starting out? Now's the time to create a solid plan for investing and saving.