Are you intimidated by the prospect of saving for retirement?

It may not be as daunting as you might think. In fact, there are simple steps you can take today that can help position you to retire with the wealth you desire.

Pay yourself first. It’s simple—schedule a recurring transfer to your retirement savings account when you get your paycheck. This transforms building wealth for your future into an effortless process that occurs without your even thinking about it.

Save your bonuses. Unexpected windfalls are exciting! But don’t forget to pause for a moment before you take off for the Bahamas. If you hadn’t gotten that bonus, would your life and your current financial strategy still be the same as it was last week? Consider putting (most of) that extra money away for later, and using a fraction of it for fun!

Reduce your debt. Credit cards and any high interest loans are the first priority when retiring debt—so that you can retire too someday! Do you really know how much you’re paying in interest each month? (Once you know this number, you can’t “unknow” it.) But take heart! Use this as a powerful incentive to pay those balances off as quickly as you can.

Every month you chip away at your debt, you’ll owe less and pay less in interest. (You’ll feel better too.) And you know what to do with the leftover money since you knocked out that debt. Hint: Save it.

But keep this in mind—life is about balance. It’s okay to treat yourself once in a while. Just make sure to pay yourself first now, so you can REALLY treat yourself later in retirement.