Instead of trying to completely change spending or savings habits, I say: Start small. For example, my “1% rule” is an easy resolution to make and keep. My recommendation to investors is to increase their retirement savings by a mere 1%. That is it. One small percentage increase. The amount isn’t outrageous and is therefore achievable in most budgets. Many times I hear, “Michelle, I didn’t even notice it was gone when I got my paycheck.” But when they check their retirement savings account balance at the end of the year, they are often surprised at how much of a difference that 1% can make.