You still have until April 15, 2014, to contribute up to $5,500 to an IRA for 2013 (plus an extra $1,000 if you were 50 or older anytime during 2013).

And don’t forget about frequently overlooked opportunities to save—such as in a spousal IRA if one of you is working and the other is not, or an IRA for a teenagers with earned income. You can also contribute up to $5,500 for 2014 anytime now, plus an extra $1,000 if you’re 50 or older anytime this year. Consider setting up automatic transfers from your paycheck or bank account to the IRA — $458.33 per month adds up to $5,500 by year-end.