Are you making the most of your 401(k), 403(b) or 457 employer-based retirement plan?  Employees under age 50 can generally contribute up to $18,000 and those age 50 and better can use the “catch-up” provision of up to $6,000 to boost their tax-deferred (or Roth) savings up to $24,000.  Some plans also allow additional after-tax savings.  In any case, make sure you are getting the full benefit of your employer’s matching funds.  Beyond getting the full match, review your 401(k) plan expenses and fund options: in some cases you may be better off doing the rest of your saving on your own in IRAs, Roth IRAs or even taxable accounts.