Set up an automatic monthly withdrawal from your account that goes into a mutual fund. It's hard to spend what you can't see.

If the withdrawal from Gaza goes badly, obviously, that will set us back.

mutual fund tax trap.

So you at least want to put enough to receive the maximum match.

Make saving the first thing you do with your pay.

It's a point I'd make regarding any mutual fund, but it's particularly important in a mutual fund type where you expect a low absolute return. If you're paying 1 percent in expenses and you're earning just 3 percent, you're forking over literally a third of your return.