Savings for retirement is difficult mainly because of our trouble planning for the long term, it is not at all a complex problem. The fable of the ant and the grasshopper illustrates this point very simply and it is really that simple. People need to do a better job of applying the lessons from that story to their retirement savings.
This is a great time to add to your IRA for 2006, if you have not done so already and for 2007, you have through April 15th (or when you file you taxes, I think?). If you already added to your IRA for last year take this time to add to your 2007 IRA.
Related: IRA information - Roth IRAs for everyone - retirement related posts from our investment blog