1. Examine investment fees.
Fees can eat at your attempts to build retirement savings. Typical investment fees are around 40 percent of yearly returns, Forbes estimates. But making small changes, like opting for an index fund rather than an actively managed fund, you can get fees down to just 15%. Reinvest the savings, and you’ll end up with thousands more come retirement. Let’s say you can save $600 in fees this year. If you reinvest that initial $600 and the same amount saved every year for a total of 10 years, you’ll wind up with $7,684, assuming just a 3% annual interest rate return on your investment.