Here’s a suggestion for those planning to make big changes in the new year: Consider making them small instead. Don’t rely on motivationNew Year’s is when many people feel motivated to make changes, including making saving for retirement a priority. “One reason we are hesitant to make small changes is that they seem so ineffective and minor," he said. Just take one stepIn contrast to eating healthier or exercising more, retirement savings can be put on autopilot, via payroll deductions to a 401(k) or automated transfers from a savings account to an individual retirement account or emergency fund. Celebration can cause your brain to release feel-good neurotransmitters that have been found to help ingrain habits, said Dr. Fogg.

Source: Mint December 29, 2020 04:52 UTC