text:  As soon as you get a raise, increase by 1%. Even if you don't get a raise, we can all find 1% in our spending plan to allocate towards retirement. Small tips, little things that you can do that will really add up in the long run for your retirement. You can take some notes here, but really come in and have this sit down and talk about your overall retirement. I've said this many times before on this show. I think there are a lot of us out there.