Start by building a simple habit: open your budgeting app each time you spend money. If you use automated payments, take a moment each day to check your bank or credit card accounts. I’ve made it a habit since 2021 to check my credit card pending charges and statements every day, including my retirement portfolio. Remember, it’s okay if your reti rement account balance goes up and down that’s normal. It only takes a few minutes each day. Everyone has five minutes to spare, so there’s no excuse to skip it.