In the last issue of the Quarterly News, we asked readers about the financial topics they wanted to know more about. Fifty percent were most interested in strategies for saving long term, while 35.7 percent are focused most intently on navigating the new tax laws, and 12.5 percent cited reducing college costs. See page 1 for more information about the new tax laws, including new rules for 529 college-savings plans (that can now be used for more than just college). The following strategies address the most popular topic: saving for the long term.

Make a plan. It's hard to picture retirement when it's decades away - especially when you're getting started and juggling other concerns. But it helps to get a general idea of your long-term goals, even if they change over the years. Think about when you'd like to retire. Do you need to stay in your job for a certain number of years to qualify for a pension? Would you like to start a second career later on? Envisioning retirement and thinking about your time frame can help you set a goal - and motivate you to get there. Running your numbers through the Retirement Savings Calculator at www.icmarc.org/education can help you get started.

Make saving automatic. One major benefit of a 457 or 401 employer-sponsored plan is that the money is contributed automatically from your paycheck and is invested before you have an opportunity to spend it. Make saving a top priority by paying yourself first.

Boost savings when you can. Increasing the amount you set aside every year can make an enormous difference over the long run (see Savings Boost). In addition to contributing a bit more whenever you get a raise, also look for ways to cut back on everyday expenses and add the extra money to your nest egg, which can make a surprisingly large impact.

Check your progress. Your retirement goals are likely to come in clearer focus as you get older. It's only natural that you'll also need to adjust your plans based on how much your savings have grown through the years. For more information and resources, see our Retirement Education Center at www.icmarc.org/education.