Saving money is not easy, but it's essential to achieving financial well-being and securing your future. One of the best and easiest ways to save money and start a strong retirement income planning program is to pay yourself first. Every time you receive a paycheck, save a certain percentage of your income before spending money on anything else. You may choose to have your bank automatically deduct a certain amount of money from your account each month. This way, the money never hits your pocket, so you won't miss it.