People who experience the most success in saving for a financially secure retirement follow some specific guidelines. See if they are guided by a successful strategy.

 Start by eliminating all consumer debt.

 Set up a regular program to add to their savings monthly. Use payroll deductions, systematic transfers from their checking account, or (at least) marks on their calendar to send in a check.

 Take full advantage of employer-sponsored plans. These plans not only offer tax-deferred compounding, but frequently offer employer matching of all or a portion of their contributions.

 should not spend their retirement savings on other things. If they change employers, roll their retirement savings over into their new employer’s retirement plan.

 before retirement, invest for growth. After retirement, shift into income investments to conserve capital and meet income needs.