You can still treat yourself from time to time as long as you remember to pay yourself first.

By Bruce Schlappi

You know you need to save more for retirement. But how do you get there? It may be easier than you think. By putting aside $100-$200 monthly, you can create a secure, reliable savings plan that you can count on. In other words, cut back a little to save a Latte (a lot, get it?).

Bruce Schlappi is president of Schlappi Financial Group, based in Blue Springs, Mo. He advises clients seeking whole life insurance, annuities, disability insurance and long term care insurance.