Make a plan
Always make a plan for your income and access it in a manner that you have funds left for contingencies. Make sure you set aside some money for your medical expenditure and travel after retirement. Make a list of your needs and try to reduce on the insignificant expenditure that eats up the amount you could save. Allocate your resources towards meeting your necessary ends of owning a house, funding a child's education and others.
Evaluate your plan
You should constantly keep a track of your financial plan and evaluate it on regular basis. This would not only make you clear on achieving your targets but also help you to know if you require any advisor's help. While reviewing your financial plan, make sure that your investments are suitable in the changing market scenario. Meanwhile it is recommended to get comfortable with the risks, costs, and liquidity of your investments. For example you should cut down on your equity exposure while moving close to towards retirement as you would have lower risk taking capacity.