Saving right might be saving grace at retirement: "IRAs
The maximum contributions for individual retirement accounts goes up to $4,000 in 2005, or $4,500 for workers age 50 and older. You must have earned income to contribute to an IRA.

If you're not covered by a retirement plan at work, you can contribute to a deductible IRA. Low-income workers may also qualify for a deductible IRA, even if they're covered by a company pension or 401(k). For just about everybody else, there's the Roth IRA. You don't get a tax deduction for Roth contributions. But withdrawals are tax-free, as long as you're at least 591/2 and it's been five years since you set up your Roth. If you play by the rules, you'll never pay taxes on any of your investment gains.

Too hard to put money aside for an IRA? Consider having a specific amount withdrawn electronically from your checking account each month, says Christine Fahlund, senior financial planner for T. Rowe Price. The automated programs funnel money into your retirement plan before you have a chance to spend it."
--from Sandra Block: Your Money: USA Today