Repak sees a lot of his clients who are encouraged by the first steps they take toward saving. “After [my clients have] accomplished their first big goal, they see that the little changes in their behavior can be rewarding. Instead of looking for immediate gratification, they get the delayed gratification,” he says.
Always be on the lookout for new saving strategies, Klein says, and you’ll be surprised at how much you can accomplish. “The first reaction I hear when I try to get my clients to save more of their income—say 20%, instead of 10 or 15%—[is that] most will tell me they can’t,” Klein says. “But after six to nine months that starts to change. And then at our annual review, they tell me they’re excited to save even more.”