Sometimes, it doesn't take a rocket scientist to figure out why you are not saving. Priorities, stresses, family obligations or putting things off until the next day are often at the top of the list.
We have decided to state the obvious in this post. But sometimes, if you don't think of the obvious, it just isn't!
1) Automatically set money aside from your pay cheque into your RRSP.
The sooner you get used to living without $400 a month, the better it is for your retirement. $400 a month for 30 years at a 7% annual return is worth around $480,000 upon retirement. One decision. Problem Solved.