The Creep That Takes Away Your Retirement Savings

(From Considering Stewardship)

Lifestyle creep: [bold added]

Once our incomes go up, we often incorporate new little treats into our routine and hardly notice. There’s that cold brew, and then there are more lunches out, and then there’s upgrading the smartphone, having your home cleaned more often, leasing a fancier car.

Cut out the little treats and stop trying to keep up with the Joneses (or Facebook friends). And try making regular deposits into an IRA or 401(k).

Remember, they're not asking you to cut back but, after you get a raise, go on spending what you've been spending.