The most important thing you will do is to act on your plan. While the earlier steps are certainly necessary, if you don't actually act now, you will have gained nothing, and delays can have a serious impact on your ability to save enough to achieve your financial goals.

Through the previous steps, you should have been able to develop a basic financial plan. You should now know how much you are going to save, and in what type of plan you are going to save. If you used the Internet resources that we suggested, then you also know who has the type of plans that you are interested in. Whether you need to submit an application via the Internet or via mail, or if you need to telephone someone, the time to act is now.

Step 9 - Get Help If You Need It