It's probably the most intimidating part of the process, but it shouldn't be. One small step - enrolling in your plan - will help put you on the right path. Starting now is important. The sooner you start to save, the more time your money has to grow.
Keep in mind: As your savings grow within your retirement plan, you pay no taxes on the growth. The powerful, long-term benefit for you? By earning returns on funds that would have otherwise been paid in taxes, your savings may grow faster and to a potentially greater amount. That's the power of tax-deferred compounding. In the chart to the right, see how starting early on the path to compounding can have a dramatic impact on your long-term savings.