Automatic transfers and investments take advantage of your good intentions without requiring constant attention. Most brokerages and retirement plans let you set recurring buys into chosen funds or portfolios.

Automation also reduces the temptation to time the market. By investing on schedule you capture more market days and avoid the frustration of missed opportunities.

Review automated transactions at least annually. Confirm contribution amounts still match your goals, rebalance if allocations drift, and adjust when your income or priorities change.