Now that it's the time of year when people usually make New Year's resolutions, one to plan on making is to increase how much they're saving for retirement.

But, since many New Year's resolutions tend to be broken before the hangover wears off on January 2, Charles Schwab has offered some suggestions to avoid that happening to a retirement savings resolution, including some mental tricks that can bolster your resolve.

The first, and possibly most important, is to be sure you're enrolled in your workplace's 401(k) plan.

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